Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$119,093Cash toward the purchase price.
Closing costs + prepaids$11,251Not just lender fees.
Before credits & paid funds$130,344The complete starting cash picture.
Estimated remaining funds due at closing
$130,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,093.17
Your down payment$119,093.17
Closing costs + prepaids$11,251.07
Total buyer cash needed$130,344.24
Remaining funds due$130,344.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$500.00
Prepaid interest, first (13 days)$527.07
Fees + prepaids$11,251.07
Your down payment is the seller’s equity. You take over the $280,807 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $130,344.24 is due at closing. Uses and sources reconcile at $411,151.07 each. Not a Closing Disclosure.