Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$124,854Cash toward the purchase price.
Closing costs + prepaids$11,997Not just lender fees.
Before credits & paid funds$136,851The complete starting cash picture.
Estimated remaining funds due at closing
$136,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,854.12
Your down payment$124,854.12
Closing costs + prepaids$11,996.87
Total buyer cash needed$136,850.99
Remaining funds due$136,850.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$985.00
Initial HOA (3 months)$41.25
Prepaid interest, first (24 days)$646.62
Fees + prepaids$11,996.87
Your down payment is the seller’s equity. You take over the $285,046 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $136,850.99 is due at closing. Uses and sources reconcile at $421,896.87 each. Not a Closing Disclosure.