Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$122,211Cash toward the purchase price.
Closing costs + prepaids$10,844Not just lender fees.
Before credits & paid funds$133,055The complete starting cash picture.
Estimated remaining funds due at closing
$133,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,211.21
Your down payment$122,211.21
Closing costs + prepaids$10,843.70
Total buyer cash needed$133,054.91
Remaining funds due$133,054.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$468.00
Prepaid interest, first (12 days)$251.70
Fees + prepaids$10,843.70
Your down payment is the seller’s equity. You take over the $267,689 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $133,054.91 is due at closing. Uses and sources reconcile at $400,743.70 each. Not a Closing Disclosure.