Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$122,771Cash toward the purchase price.
Closing costs + prepaids$11,751Not just lender fees.
Before credits & paid funds$134,523The complete starting cash picture.
Estimated remaining funds due at closing
$134,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,771.49
Your down payment$122,771.49
Closing costs + prepaids$11,751.14
Total buyer cash needed$134,522.62
Remaining funds due$134,522.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$451.50
Initial HOA (3 months)$363.00
Prepaid interest, first (23 days)$561.64
Fees + prepaids$11,751.14
Your down payment is the seller’s equity. You take over the $292,229 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $134,522.62 is due at closing. Uses and sources reconcile at $426,751.14 each. Not a Closing Disclosure.