Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$128,730Cash toward the purchase price.
Closing costs + prepaids$12,774Not just lender fees.
Before credits & paid funds$141,505The complete starting cash picture.
Estimated remaining funds due at closing
$141,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,730.48
Your down payment$128,730.48
Closing costs + prepaids$12,774.16
Total buyer cash needed$141,504.63
Remaining funds due$141,504.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,970.00
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)$708.00
Initial HOA (3 months)$1,830.00
Prepaid interest, first (2 days)$41.16
Fees + prepaids$12,774.16
Your down payment is the seller’s equity. You take over the $268,270 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $141,504.63 is due at closing. Uses and sources reconcile at $409,774.16 each. Not a Closing Disclosure.