Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$129,938Cash toward the purchase price.
Closing costs + prepaids$12,402Not just lender fees.
Before credits & paid funds$142,340The complete starting cash picture.
Estimated remaining funds due at closing
$142,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,937.80
Your down payment$129,937.80
Closing costs + prepaids$12,401.74
Total buyer cash needed$142,339.54
Remaining funds due$142,339.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$903.75
Initial HOA (3 months)$240.00
Prepaid interest, first (22 days)$582.99
Fees + prepaids$12,401.74
Your down payment is the seller’s equity. You take over the $315,062 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $142,339.54 is due at closing. Uses and sources reconcile at $457,401.74 each. Not a Closing Disclosure.