Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$142,785Cash toward the purchase price.
Closing costs + prepaids$12,695Not just lender fees.
Before credits & paid funds$155,479The complete starting cash picture.
Estimated remaining funds due at closing
$155,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,784.69
Your down payment$142,784.69
Closing costs + prepaids$12,694.70
Total buyer cash needed$155,479.39
Remaining funds due$155,479.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,195.00
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)$789.50
Initial HOA (3 months)$117.24
Prepaid interest, first (26 days)$1,367.96
Fees + prepaids$12,694.70
Your down payment is the seller’s equity. You take over the $276,715 balance, so the rest of the $419,500 price is paid at closing. A second mortgage can cover part of it. $155,479.39 is due at closing. Uses and sources reconcile at $432,194.70 each. Not a Closing Disclosure.