Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$144,926Cash toward the purchase price.
Closing costs + prepaids$10,954Not just lender fees.
Before credits & paid funds$155,880The complete starting cash picture.
Estimated remaining funds due at closing
$155,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,926.25
Your down payment$144,926.25
Closing costs + prepaids$10,953.70
Total buyer cash needed$155,879.95
Remaining funds due$155,879.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$727.00
Prepaid interest, first (1 days)$21.70
Fees + prepaids$10,953.70
Your down payment is the seller’s equity. You take over the $253,074 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $155,879.95 is due at closing. Uses and sources reconcile at $408,953.70 each. Not a Closing Disclosure.