Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$115,255Cash toward the purchase price.
Closing costs + prepaids$11,494Not just lender fees.
Before credits & paid funds$126,749The complete starting cash picture.
Estimated remaining funds due at closing
$126,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,255.13
Your down payment$115,255.13
Closing costs + prepaids$11,494.35
Total buyer cash needed$126,749.48
Remaining funds due$126,749.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.99
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)$469.75
Initial HOA (3 months)$27.51
Prepaid interest, first (29 days)$672.10
Fees + prepaids$11,494.35
Your down payment is the seller’s equity. You take over the $294,744 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $126,749.48 is due at closing. Uses and sources reconcile at $421,493.35 each. Not a Closing Disclosure.