Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$136,787Cash toward the purchase price.
Closing costs + prepaids$10,831Not just lender fees.
Before credits & paid funds$147,617The complete starting cash picture.
Estimated remaining funds due at closing
$147,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,786.61
Your down payment$136,786.61
Closing costs + prepaids$10,830.55
Total buyer cash needed$147,617.16
Remaining funds due$147,617.16
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)$400.50
Initial HOA (3 months)$216.00
Prepaid interest, first (1 days)$39.05
Fees + prepaids$10,830.55
Your down payment is the seller’s equity. You take over the $258,213 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $147,617.16 is due at closing. Uses and sources reconcile at $405,830.55 each. Not a Closing Disclosure.