Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$127,740Cash toward the purchase price.
Closing costs + prepaids$10,581Not just lender fees.
Before credits & paid funds$138,321The complete starting cash picture.
Estimated remaining funds due at closing
$138,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,739.80
Your down payment$127,739.80
Closing costs + prepaids$10,580.92
Total buyer cash needed$138,320.71
Remaining funds due$138,320.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$426.00
Prepaid interest, first (9 days)$379.93
Fees + prepaids$10,580.92
Your down payment is the seller’s equity. You take over the $227,259 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $138,320.71 is due at closing. Uses and sources reconcile at $365,579.92 each. Not a Closing Disclosure.