Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$131,662Cash toward the purchase price.
Closing costs + prepaids$11,790Not just lender fees.
Before credits & paid funds$143,452The complete starting cash picture.
Estimated remaining funds due at closing
$143,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,662.14
Your down payment$131,662.14
Closing costs + prepaids$11,789.56
Total buyer cash needed$143,451.71
Remaining funds due$143,451.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$1,536.50
Prepaid interest, first (2 days)$78.06
Fees + prepaids$11,789.56
Your down payment is the seller’s equity. You take over the $263,338 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $143,451.71 is due at closing. Uses and sources reconcile at $406,789.56 each. Not a Closing Disclosure.