Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,152Cash toward the purchase price.
Closing costs + prepaids$12,181Not just lender fees.
Before credits & paid funds$159,333The complete starting cash picture.
Estimated remaining funds due at closing
$159,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,151.70
Your down payment$147,151.70
Closing costs + prepaids$12,181.15
Total buyer cash needed$159,332.85
Remaining funds due$159,332.85
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)$1,376.75
Prepaid interest, first (31 days)$629.40
Fees + prepaids$12,181.15
Your down payment is the seller’s equity. You take over the $247,848 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $159,332.85 is due at closing. Uses and sources reconcile at $407,181.15 each. Not a Closing Disclosure.