Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$118,175Cash toward the purchase price.
Closing costs + prepaids$13,445Not just lender fees.
Before credits & paid funds$131,620The complete starting cash picture.
Estimated remaining funds due at closing
$131,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,174.85
Your down payment$118,174.85
Closing costs + prepaids$13,445.14
Total buyer cash needed$131,620.00
Remaining funds due$131,620.00
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)$700.75
Initial HOA (3 months)$480.00
Prepaid interest, first (27 days)$1,649.39
Fees + prepaids$13,445.14
Your down payment is the seller’s equity. You take over the $320,825 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $131,620.00 is due at closing. Uses and sources reconcile at $452,445.14 each. Not a Closing Disclosure.