Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,693Cash toward the purchase price.
Closing costs + prepaids$10,868Not just lender fees.
Before credits & paid funds$128,561The complete starting cash picture.
Estimated remaining funds due at closing
$128,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,692.88
Your down payment$117,692.88
Closing costs + prepaids$10,867.90
Total buyer cash needed$128,560.78
Remaining funds due$128,560.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$591.00
Prepaid interest, first (1 days)$51.90
Fees + prepaids$10,867.90
Your down payment is the seller’s equity. You take over the $282,307 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $128,560.78 is due at closing. Uses and sources reconcile at $410,867.90 each. Not a Closing Disclosure.