Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$132,517Cash toward the purchase price.
Closing costs + prepaids$10,906Not just lender fees.
Before credits & paid funds$143,423The complete starting cash picture.
Estimated remaining funds due at closing
$143,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,517.42
Your down payment$132,517.42
Closing costs + prepaids$10,906.05
Total buyer cash needed$143,423.48
Remaining funds due$143,423.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$480.00
Prepaid interest, first (9 days)$201.15
Fees + prepaids$10,906.05
Your down payment is the seller’s equity. You take over the $267,473 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $143,423.48 is due at closing. Uses and sources reconcile at $410,896.05 each. Not a Closing Disclosure.