Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$137,836Cash toward the purchase price.
Closing costs + prepaids$11,050Not just lender fees.
Before credits & paid funds$148,886The complete starting cash picture.
Estimated remaining funds due at closing
$148,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,836.15
Your down payment$137,836.15
Closing costs + prepaids$11,050.12
Total buyer cash needed$148,886.27
Remaining funds due$148,886.27
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)$120.00
Prepaid interest, first (6 days)$281.12
Fees + prepaids$11,050.12
Your down payment is the seller’s equity. You take over the $257,164 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $148,886.27 is due at closing. Uses and sources reconcile at $406,050.12 each. Not a Closing Disclosure.