Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$119,061Cash toward the purchase price.
Closing costs + prepaids$10,724Not just lender fees.
Before credits & paid funds$129,785The complete starting cash picture.
Estimated remaining funds due at closing
$129,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,060.95
Your down payment$119,060.95
Closing costs + prepaids$10,723.78
Total buyer cash needed$129,784.73
Remaining funds due$129,784.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$468.00
Prepaid interest, first (6 days)$131.78
Fees + prepaids$10,723.78
Your down payment is the seller’s equity. You take over the $270,839 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $129,784.73 is due at closing. Uses and sources reconcile at $400,623.78 each. Not a Closing Disclosure.