Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,944Cash toward the purchase price.
Closing costs + prepaids$11,697Not just lender fees.
Before credits & paid funds$127,641The complete starting cash picture.
Estimated remaining funds due at closing
$127,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,943.84
Your down payment$115,943.84
Closing costs + prepaids$11,696.87
Total buyer cash needed$127,640.71
Remaining funds due$127,640.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$569.75
Initial HOA (3 months)$240.00
Prepaid interest, first (27 days)$762.22
Fees + prepaids$11,696.87
Your down payment is the seller’s equity. You take over the $274,046 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $127,640.71 is due at closing. Uses and sources reconcile at $401,686.87 each. Not a Closing Disclosure.