Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$124,219Cash toward the purchase price.
Closing costs + prepaids$11,397Not just lender fees.
Before credits & paid funds$135,616The complete starting cash picture.
Estimated remaining funds due at closing
$135,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,219.31
Your down payment$124,219.31
Closing costs + prepaids$11,396.58
Total buyer cash needed$135,615.89
Remaining funds due$135,615.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,984.00
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)$498.00
Prepaid interest, first (15 days)$689.58
Fees + prepaids$11,396.58
Your down payment is the seller’s equity. You take over the $274,181 balance, so the rest of the $398,400 price is paid at closing. A second mortgage can cover part of it. $135,615.89 is due at closing. Uses and sources reconcile at $409,796.58 each. Not a Closing Disclosure.