Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$134,823Cash toward the purchase price.
Closing costs + prepaids$11,125Not just lender fees.
Before credits & paid funds$145,947The complete starting cash picture.
Estimated remaining funds due at closing
$145,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,822.72
Your down payment$134,822.72
Closing costs + prepaids$11,124.68
Total buyer cash needed$145,947.40
Remaining funds due$145,947.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$838.75
Initial HOA (3 months)$249.99
Prepaid interest, first (1 days)$20.94
Fees + prepaids$11,124.68
Your down payment is the seller’s equity. You take over the $244,177 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $145,947.40 is due at closing. Uses and sources reconcile at $390,124.68 each. Not a Closing Disclosure.