Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$135,982Cash toward the purchase price.
Closing costs + prepaids$10,752Not just lender fees.
Before credits & paid funds$146,734The complete starting cash picture.
Estimated remaining funds due at closing
$146,734No 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$10,751.80
Total buyer cash needed$146,733.86
Remaining funds due$146,733.86
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 (6 days)$184.55
Fees + prepaids$10,751.80
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. $146,733.86 is due at closing. Uses and sources reconcile at $398,451.80 each. Not a Closing Disclosure.