Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$133,639Cash toward the purchase price.
Closing costs + prepaids$11,422Not just lender fees.
Before credits & paid funds$145,061The complete starting cash picture.
Estimated remaining funds due at closing
$145,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,639.32
Your down payment$133,639.32
Closing costs + prepaids$11,421.95
Total buyer cash needed$145,061.27
Remaining funds due$145,061.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.90
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)$617.50
Prepaid interest, first (21 days)$779.55
Fees + prepaids$11,421.95
Your down payment is the seller’s equity. You take over the $246,351 balance, so the rest of the $379,990 price is paid at closing. A second mortgage can cover part of it. $145,061.27 is due at closing. Uses and sources reconcile at $391,411.95 each. Not a Closing Disclosure.