Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$128,715Cash toward the purchase price.
Closing costs + prepaids$11,004Not just lender fees.
Before credits & paid funds$139,719The complete starting cash picture.
Estimated remaining funds due at closing
$139,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,715.40
Your down payment$128,715.40
Closing costs + prepaids$11,004.01
Total buyer cash needed$139,719.40
Remaining funds due$139,719.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$685.50
Prepaid interest, first (2 days)$94.51
Fees + prepaids$11,004.01
Your down payment is the seller’s equity. You take over the $271,185 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $139,719.40 is due at closing. Uses and sources reconcile at $410,904.01 each. Not a Closing Disclosure.