Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$124,505Cash toward the purchase price.
Closing costs + prepaids$11,692Not just lender fees.
Before credits & paid funds$136,197The complete starting cash picture.
Estimated remaining funds due at closing
$136,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,505.17
Your down payment$124,505.17
Closing costs + prepaids$11,692.22
Total buyer cash needed$136,197.39
Remaining funds due$136,197.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,810.00
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)$1,007.75
Initial HOA (3 months)$270.00
Prepaid interest, first (18 days)$379.47
Fees + prepaids$11,692.22
Your down payment is the seller’s equity. You take over the $256,495 balance, so the rest of the $381,000 price is paid at closing. A second mortgage can cover part of it. $136,197.39 is due at closing. Uses and sources reconcile at $392,692.22 each. Not a Closing Disclosure.