Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,730Cash toward the purchase price.
Closing costs + prepaids$12,754Not just lender fees.
Before credits & paid funds$141,484The complete starting cash picture.
Estimated remaining funds due at closing
$141,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,730.48
Your down payment$128,730.48
Closing costs + prepaids$12,753.58
Total buyer cash needed$141,484.05
Remaining funds due$141,484.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,970.00
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)$708.00
Initial HOA (3 months)$1,830.00
Prepaid interest, first (1 days)$20.58
Fees + prepaids$12,753.58
Your down payment is the seller’s equity. You take over the $268,270 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $141,484.05 is due at closing. Uses and sources reconcile at $409,753.58 each. Not a Closing Disclosure.