Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$121,714Cash toward the purchase price.
Closing costs + prepaids$11,700Not just lender fees.
Before credits & paid funds$133,415The complete starting cash picture.
Estimated remaining funds due at closing
$133,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,714.23
Your down payment$121,714.23
Closing costs + prepaids$11,700.43
Total buyer cash needed$133,414.66
Remaining funds due$133,414.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,830.00
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)$957.50
Prepaid interest, first (31 days)$687.93
Fees + prepaids$11,700.43
Your down payment is the seller’s equity. You take over the $261,286 balance, so the rest of the $383,000 price is paid at closing. A second mortgage can cover part of it. $133,414.66 is due at closing. Uses and sources reconcile at $394,700.43 each. Not a Closing Disclosure.