Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$118,314Cash toward the purchase price.
Closing costs + prepaids$12,326Not just lender fees.
Before credits & paid funds$130,640The complete starting cash picture.
Estimated remaining funds due at closing
$130,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,313.71
Your down payment$118,313.71
Closing costs + prepaids$12,326.34
Total buyer cash needed$130,640.05
Remaining funds due$130,640.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$1,012.50
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$573.84
Fees + prepaids$12,326.34
Your down payment is the seller’s equity. You take over the $286,686 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $130,640.05 is due at closing. Uses and sources reconcile at $417,326.34 each. Not a Closing Disclosure.