Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$134,563Cash toward the purchase price.
Closing costs + prepaids$11,057Not just lender fees.
Before credits & paid funds$145,620The complete starting cash picture.
Estimated remaining funds due at closing
$145,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,562.74
Your down payment$134,562.74
Closing costs + prepaids$11,057.23
Total buyer cash needed$145,619.97
Remaining funds due$145,619.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$356.00
Initial HOA (3 months)$282.00
Prepaid interest, first (20 days)$395.23
Fees + prepaids$11,057.23
Your down payment is the seller’s equity. You take over the $245,337 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $145,619.97 is due at closing. Uses and sources reconcile at $390,957.23 each. Not a Closing Disclosure.