Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$125,109Cash toward the purchase price.
Closing costs + prepaids$12,839Not just lender fees.
Before credits & paid funds$137,948The complete starting cash picture.
Estimated remaining funds due at closing
$137,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,109.03
Your down payment$125,109.03
Closing costs + prepaids$12,838.52
Total buyer cash needed$137,947.55
Remaining funds due$137,947.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$835.50
Initial HOA (3 months)$486.00
Prepaid interest, first (23 days)$1,192.02
Fees + prepaids$12,838.52
Your down payment is the seller’s equity. You take over the $284,891 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $137,947.55 is due at closing. Uses and sources reconcile at $422,838.52 each. Not a Closing Disclosure.