Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,408Cash toward the purchase price.
Closing costs + prepaids$10,963Not just lender fees.
Before credits & paid funds$126,371The complete starting cash picture.
Estimated remaining funds due at closing
$126,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,407.67
Your down payment$115,407.67
Closing costs + prepaids$10,962.94
Total buyer cash needed$126,370.61
Remaining funds due$126,370.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$569.75
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$28.29
Fees + prepaids$10,962.94
Your down payment is the seller’s equity. You take over the $274,582 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $126,370.61 is due at closing. Uses and sources reconcile at $400,952.94 each. Not a Closing Disclosure.