Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$114,844Cash toward the purchase price.
Closing costs + prepaids$11,875Not just lender fees.
Before credits & paid funds$126,719The complete starting cash picture.
Estimated remaining funds due at closing
$126,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,844.00
Your down payment$114,844.00
Closing costs + prepaids$11,874.65
Total buyer cash needed$126,718.65
Remaining funds due$126,718.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$385.50
Initial HOA (3 months)$129.99
Prepaid interest, first (27 days)$1,294.16
Fees + prepaids$11,874.65
Your down payment is the seller’s equity. You take over the $269,156 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $126,718.65 is due at closing. Uses and sources reconcile at $395,874.65 each. Not a Closing Disclosure.