Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$128,685Cash toward the purchase price.
Closing costs + prepaids$11,101Not just lender fees.
Before credits & paid funds$139,786The complete starting cash picture.
Estimated remaining funds due at closing
$139,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,685.35
Your down payment$128,685.35
Closing costs + prepaids$11,101.05
Total buyer cash needed$139,786.39
Remaining funds due$139,786.39
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)$480.00
Prepaid interest, first (12 days)$396.05
Fees + prepaids$11,101.05
Your down payment is the seller’s equity. You take over the $271,315 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $139,786.39 is due at closing. Uses and sources reconcile at $411,101.05 each. Not a Closing Disclosure.