Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,340Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$157,258The complete starting cash picture.
Estimated remaining funds due at closing
$157,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,339.89
Your down payment$144,339.89
Closing costs + prepaids$12,918.38
Total buyer cash needed$157,258.27
Remaining funds due$157,258.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.90
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)$1,847.25
Initial HOA (3 months)$33.00
Prepaid interest, first (28 days)$613.23
Fees + prepaids$12,918.38
Your down payment is the seller’s equity. You take over the $275,650 balance, so the rest of the $419,990 price is paid at closing. A second mortgage can cover part of it. $157,258.27 is due at closing. Uses and sources reconcile at $432,908.38 each. Not a Closing Disclosure.