Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$121,416Cash toward the purchase price.
Closing costs + prepaids$10,252Not just lender fees.
Before credits & paid funds$131,668The complete starting cash picture.
Estimated remaining funds due at closing
$131,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,415.67
Your down payment$121,415.67
Closing costs + prepaids$10,251.90
Total buyer cash needed$131,667.57
Remaining funds due$131,667.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$183.00
Prepaid interest, first (1 days)$44.90
Fees + prepaids$10,251.90
Your down payment is the seller’s equity. You take over the $258,484 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $131,667.57 is due at closing. Uses and sources reconcile at $390,151.90 each. Not a Closing Disclosure.