Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$127,526Cash toward the purchase price.
Closing costs + prepaids$11,847Not just lender fees.
Before credits & paid funds$139,372The complete starting cash picture.
Estimated remaining funds due at closing
$139,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,525.53
Your down payment$127,525.53
Closing costs + prepaids$11,846.79
Total buyer cash needed$139,372.32
Remaining funds due$139,372.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$474.00
Initial HOA (3 months)$963.00
Prepaid interest, first (12 days)$234.79
Fees + prepaids$11,846.79
Your down payment is the seller’s equity. You take over the $267,474 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $139,372.32 is due at closing. Uses and sources reconcile at $406,846.79 each. Not a Closing Disclosure.