Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,379Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$142,748The complete starting cash picture.
Estimated remaining funds due at closing
$142,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,378.63
Your down payment$129,378.63
Closing costs + prepaids$13,369.43
Total buyer cash needed$142,748.06
Remaining funds due$142,748.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,970.00
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)$708.00
Initial HOA (3 months)$1,830.00
Prepaid interest, first (31 days)$636.43
Fees + prepaids$13,369.43
Your down payment is the seller’s equity. You take over the $267,621 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $142,748.06 is due at closing. Uses and sources reconcile at $410,369.43 each. Not a Closing Disclosure.