Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$123,916Cash toward the purchase price.
Closing costs + prepaids$11,784Not just lender fees.
Before credits & paid funds$135,701The complete starting cash picture.
Estimated remaining funds due at closing
$135,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,916.47
Your down payment$123,916.47
Closing costs + prepaids$11,784.26
Total buyer cash needed$135,700.72
Remaining funds due$135,700.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$525.50
Initial HOA (3 months)$387.00
Prepaid interest, first (10 days)$266.76
Fees + prepaids$11,784.26
Your down payment is the seller’s equity. You take over the $314,084 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $135,700.72 is due at closing. Uses and sources reconcile at $449,784.26 each. Not a Closing Disclosure.