Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$145,682Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$157,857The complete starting cash picture.
Estimated remaining funds due at closing
$157,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,682.30
Your down payment$145,682.30
Closing costs + prepaids$12,174.37
Total buyer cash needed$157,856.67
Remaining funds due$157,856.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$683.75
Initial HOA (3 months)$438.00
Prepaid interest, first (24 days)$547.62
Fees + prepaids$12,174.37
Your down payment is the seller’s equity. You take over the $282,318 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $157,856.67 is due at closing. Uses and sources reconcile at $440,174.37 each. Not a Closing Disclosure.