Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$133,709Cash toward the purchase price.
Closing costs + prepaids$11,682Not just lender fees.
Before credits & paid funds$145,392The complete starting cash picture.
Estimated remaining funds due at closing
$145,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,709.46
Your down payment$133,709.46
Closing costs + prepaids$11,682.15
Total buyer cash needed$145,391.61
Remaining funds due$145,391.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$505.50
Initial HOA (3 months)$369.00
Prepaid interest, first (27 days)$592.65
Fees + prepaids$11,682.15
Your down payment is the seller’s equity. You take over the $265,291 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $145,391.61 is due at closing. Uses and sources reconcile at $410,682.15 each. Not a Closing Disclosure.