Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$138,725Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$149,704The complete starting cash picture.
Estimated remaining funds due at closing
$149,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,724.73
Your down payment$138,724.73
Closing costs + prepaids$10,979.39
Total buyer cash needed$149,704.12
Remaining funds due$149,704.12
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)$518.00
Initial HOA (3 months)$243.00
Prepaid interest, first (2 days)$43.39
Fees + prepaids$10,979.39
Your down payment is the seller’s equity. You take over the $256,275 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $149,704.12 is due at closing. Uses and sources reconcile at $405,979.39 each. Not a Closing Disclosure.