Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$126,197Cash toward the purchase price.
Closing costs + prepaids$11,998Not just lender fees.
Before credits & paid funds$138,195The complete starting cash picture.
Estimated remaining funds due at closing
$138,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,196.93
Your down payment$126,196.93
Closing costs + prepaids$11,997.61
Total buyer cash needed$138,194.54
Remaining funds due$138,194.54
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)$1,775.00
Initial HOA (3 months)$26.25
Prepaid interest, first (1 days)$21.36
Fees + prepaids$11,997.61
Your down payment is the seller’s equity. You take over the $268,803 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $138,194.54 is due at closing. Uses and sources reconcile at $406,997.61 each. Not a Closing Disclosure.