Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$127,874Cash toward the purchase price.
Closing costs + prepaids$12,002Not just lender fees.
Before credits & paid funds$139,876The complete starting cash picture.
Estimated remaining funds due at closing
$139,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,874.18
Your down payment$127,874.18
Closing costs + prepaids$12,002.25
Total buyer cash needed$139,876.43
Remaining funds due$139,876.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$478.75
Initial HOA (3 months)$1,050.00
Prepaid interest, first (12 days)$258.50
Fees + prepaids$12,002.25
Your down payment is the seller’s equity. You take over the $271,126 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $139,876.43 is due at closing. Uses and sources reconcile at $411,002.25 each. Not a Closing Disclosure.