Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$144,927Cash toward the purchase price.
Closing costs + prepaids$12,307Not just lender fees.
Before credits & paid funds$157,234The complete starting cash picture.
Estimated remaining funds due at closing
$157,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,926.81
Your down payment$144,926.81
Closing costs + prepaids$12,306.94
Total buyer cash needed$157,233.74
Remaining funds due$157,233.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,098.00
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)$1,097.50
Initial HOA (3 months)$249.00
Prepaid interest, first (24 days)$637.44
Fees + prepaids$12,306.94
Your down payment is the seller’s equity. You take over the $264,873 balance, so the rest of the $409,800 price is paid at closing. A second mortgage can cover part of it. $157,233.74 is due at closing. Uses and sources reconcile at $422,106.94 each. Not a Closing Disclosure.