Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$109,274Cash toward the purchase price.
Closing costs + prepaids$11,669Not just lender fees.
Before credits & paid funds$120,943The complete starting cash picture.
Estimated remaining funds due at closing
$120,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,274.26
Your down payment$109,274.26
Closing costs + prepaids$11,669.18
Total buyer cash needed$120,943.44
Remaining funds due$120,943.44
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)$493.75
Prepaid interest, first (18 days)$1,000.43
Fees + prepaids$11,669.18
Your down payment is the seller’s equity. You take over the $285,726 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $120,943.44 is due at closing. Uses and sources reconcile at $406,669.18 each. Not a Closing Disclosure.