Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$119,116Cash toward the purchase price.
Closing costs + prepaids$10,488Not just lender fees.
Before credits & paid funds$129,604The complete starting cash picture.
Estimated remaining funds due at closing
$129,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,115.82
Your down payment$119,115.82
Closing costs + prepaids$10,488.26
Total buyer cash needed$129,604.07
Remaining funds due$129,604.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$242.25
Prepaid interest, first (1 days)$21.01
Fees + prepaids$10,488.26
Your down payment is the seller’s equity. You take over the $280,884 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $129,604.07 is due at closing. Uses and sources reconcile at $410,488.26 each. Not a Closing Disclosure.