Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$115,994Cash toward the purchase price.
Closing costs + prepaids$10,449Not just lender fees.
Before credits & paid funds$126,442The complete starting cash picture.
Estimated remaining funds due at closing
$126,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,993.92
Your down payment$115,993.92
Closing costs + prepaids$10,448.55
Total buyer cash needed$126,442.47
Remaining funds due$126,442.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$242.50
Prepaid interest, first (2 days)$101.05
Fees + prepaids$10,448.55
Your down payment is the seller’s equity. You take over the $272,006 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $126,442.47 is due at closing. Uses and sources reconcile at $398,448.55 each. Not a Closing Disclosure.