Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$116,587Cash toward the purchase price.
Closing costs + prepaids$12,157Not just lender fees.
Before credits & paid funds$128,744The complete starting cash picture.
Estimated remaining funds due at closing
$128,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,587.07
Your down payment$116,587.07
Closing costs + prepaids$12,156.61
Total buyer cash needed$128,743.68
Remaining funds due$128,743.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$898.75
Initial HOA (3 months)$141.00
Prepaid interest, first (29 days)$691.86
Fees + prepaids$12,156.61
Your down payment is the seller’s equity. You take over the $303,413 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $128,743.68 is due at closing. Uses and sources reconcile at $432,156.61 each. Not a Closing Disclosure.