Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,477Cash toward the purchase price.
Closing costs + prepaids$12,704Not just lender fees.
Before credits & paid funds$148,181The complete starting cash picture.
Estimated remaining funds due at closing
$148,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,476.82
Your down payment$135,476.82
Closing costs + prepaids$12,704.18
Total buyer cash needed$148,181.00
Remaining funds due$148,181.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$1,575.00
Initial HOA (3 months)$6.24
Prepaid interest, first (22 days)$648.94
Fees + prepaids$12,704.18
Your down payment is the seller’s equity. You take over the $289,423 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $148,181.00 is due at closing. Uses and sources reconcile at $437,604.18 each. Not a Closing Disclosure.