Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$137,164Cash toward the purchase price.
Closing costs + prepaids$11,216Not just lender fees.
Before credits & paid funds$148,380The complete starting cash picture.
Estimated remaining funds due at closing
$148,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,163.87
Your down payment$137,163.87
Closing costs + prepaids$11,215.94
Total buyer cash needed$148,379.81
Remaining funds due$148,379.81
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)$474.00
Initial HOA (3 months)$216.00
Prepaid interest, first (9 days)$350.94
Fees + prepaids$11,215.94
Your down payment is the seller’s equity. You take over the $257,836 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $148,379.81 is due at closing. Uses and sources reconcile at $406,215.94 each. Not a Closing Disclosure.