Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,270Cash toward the purchase price.
Closing costs + prepaids$13,491Not just lender fees.
Before credits & paid funds$153,761The complete starting cash picture.
Estimated remaining funds due at closing
$153,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,269.63
Your down payment$140,269.63
Closing costs + prepaids$13,491.42
Total buyer cash needed$153,761.05
Remaining funds due$153,761.05
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)$2,050.00
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$617.42
Fees + prepaids$13,491.42
Your down payment is the seller’s equity. You take over the $259,630 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $153,761.05 is due at closing. Uses and sources reconcile at $413,391.42 each. Not a Closing Disclosure.