Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$127,991Cash toward the purchase price.
Closing costs + prepaids$13,150Not just lender fees.
Before credits & paid funds$141,141The complete starting cash picture.
Estimated remaining funds due at closing
$141,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,991.21
Your down payment$127,991.21
Closing costs + prepaids$13,149.50
Total buyer cash needed$141,140.71
Remaining funds due$141,140.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$2,031.50
Initial HOA (3 months)$267.00
Prepaid interest, first (23 days)$526.00
Fees + prepaids$13,149.50
Your down payment is the seller’s equity. You take over the $282,009 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $141,140.71 is due at closing. Uses and sources reconcile at $423,149.50 each. Not a Closing Disclosure.