Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,009Cash toward the purchase price.
Closing costs + prepaids$13,621Not just lender fees.
Before credits & paid funds$138,630The complete starting cash picture.
Estimated remaining funds due at closing
$138,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,009.06
Your down payment$125,009.06
Closing costs + prepaids$13,621.04
Total buyer cash needed$138,630.10
Remaining funds due$138,630.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,876.75
Initial HOA (3 months)$12.51
Prepaid interest, first (27 days)$1,106.78
Fees + prepaids$13,621.04
Your down payment is the seller’s equity. You take over the $314,991 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $138,630.10 is due at closing. Uses and sources reconcile at $453,621.04 each. Not a Closing Disclosure.