Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$140,540Cash toward the purchase price.
Closing costs + prepaids$14,717Not just lender fees.
Before credits & paid funds$155,257The complete starting cash picture.
Estimated remaining funds due at closing
$155,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,540.04
Your down payment$140,540.04
Closing costs + prepaids$14,717.18
Total buyer cash needed$155,257.23
Remaining funds due$155,257.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Initial HOA (3 months)$2,142.00
Prepaid interest, first (29 days)$737.68
Fees + prepaids$14,717.18
Your down payment is the seller’s equity. You take over the $308,460 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $155,257.23 is due at closing. Uses and sources reconcile at $463,717.18 each. Not a Closing Disclosure.