Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$124,176Cash toward the purchase price.
Closing costs + prepaids$14,565Not just lender fees.
Before credits & paid funds$138,741The complete starting cash picture.
Estimated remaining funds due at closing
$138,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,176.06
Your down payment$124,176.06
Closing costs + prepaids$14,565.06
Total buyer cash needed$138,741.12
Remaining funds due$138,741.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$2,113.00
Initial HOA (3 months)$186.00
Prepaid interest, first (24 days)$1,542.06
Fees + prepaids$14,565.06
Your down payment is the seller’s equity. You take over the $325,724 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $138,741.12 is due at closing. Uses and sources reconcile at $464,465.06 each. Not a Closing Disclosure.