Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,780Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$133,945The complete starting cash picture.
Estimated remaining funds due at closing
$133,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,780.27
Your down payment$122,780.27
Closing costs + prepaids$11,164.85
Total buyer cash needed$133,945.12
Remaining funds due$133,945.12
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)$895.75
Prepaid interest, first (2 days)$45.10
Fees + prepaids$11,164.85
Your down payment is the seller’s equity. You take over the $277,120 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $133,945.12 is due at closing. Uses and sources reconcile at $411,064.85 each. Not a Closing Disclosure.