Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$115,494Cash toward the purchase price.
Closing costs + prepaids$11,473Not just lender fees.
Before credits & paid funds$126,968The complete starting cash picture.
Estimated remaining funds due at closing
$126,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,494.26
Your down payment$115,494.26
Closing costs + prepaids$11,473.37
Total buyer cash needed$126,967.63
Remaining funds due$126,967.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,860.00
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)$313.50
Initial HOA (3 months)$147.00
Prepaid interest, first (20 days)$927.87
Fees + prepaids$11,473.37
Your down payment is the seller’s equity. You take over the $270,506 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $126,967.63 is due at closing. Uses and sources reconcile at $397,473.37 each. Not a Closing Disclosure.