Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$126,754Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$138,556The complete starting cash picture.
Estimated remaining funds due at closing
$138,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,754.25
Your down payment$126,754.25
Closing costs + prepaids$11,801.74
Total buyer cash needed$138,555.99
Remaining funds due$138,555.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,644.00
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)$437.25
Initial HOA (3 months)$1,140.00
Prepaid interest, first (12 days)$355.49
Fees + prepaids$11,801.74
Your down payment is the seller’s equity. You take over the $237,646 balance, so the rest of the $364,400 price is paid at closing. A second mortgage can cover part of it. $138,555.99 is due at closing. Uses and sources reconcile at $376,201.74 each. Not a Closing Disclosure.