Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$133,948Cash toward the purchase price.
Closing costs + prepaids$11,380Not just lender fees.
Before credits & paid funds$145,328The complete starting cash picture.
Estimated remaining funds due at closing
$145,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,948.17
Your down payment$133,948.17
Closing costs + prepaids$11,379.74
Total buyer cash needed$145,327.91
Remaining funds due$145,327.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$489.50
Initial HOA (3 months)$363.00
Prepaid interest, first (10 days)$222.24
Fees + prepaids$11,379.74
Your down payment is the seller’s equity. You take over the $274,052 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $145,327.91 is due at closing. Uses and sources reconcile at $419,379.74 each. Not a Closing Disclosure.