Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,289Cash toward the purchase price.
Closing costs + prepaids$13,569Not just lender fees.
Before credits & paid funds$131,858The complete starting cash picture.
Estimated remaining funds due at closing
$131,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,288.82
Your down payment$118,288.82
Closing costs + prepaids$13,568.91
Total buyer cash needed$131,857.74
Remaining funds due$131,857.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$1,213.75
Initial HOA (3 months)$141.00
Prepaid interest, first (28 days)$1,599.16
Fees + prepaids$13,568.91
Your down payment is the seller’s equity. You take over the $320,711 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $131,857.74 is due at closing. Uses and sources reconcile at $452,568.91 each. Not a Closing Disclosure.