Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$135,982Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$146,918The complete starting cash picture.
Estimated remaining funds due at closing
$146,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,982.07
Your down payment$135,982.07
Closing costs + prepaids$10,936.34
Total buyer cash needed$146,918.41
Remaining funds due$146,918.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,877.00
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)$465.25
Prepaid interest, first (12 days)$369.09
Fees + prepaids$10,936.34
Your down payment is the seller’s equity. You take over the $251,718 balance, so the rest of the $387,700 price is paid at closing. A second mortgage can cover part of it. $146,918.41 is due at closing. Uses and sources reconcile at $398,636.34 each. Not a Closing Disclosure.