Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$121,449Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$132,957The complete starting cash picture.
Estimated remaining funds due at closing
$132,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,449.41
Your down payment$121,449.41
Closing costs + prepaids$11,507.70
Total buyer cash needed$132,957.10
Remaining funds due$132,957.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$486.00
Initial HOA (3 months)$206.01
Prepaid interest, first (10 days)$540.69
Fees + prepaids$11,507.70
Your down payment is the seller’s equity. You take over the $283,551 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $132,957.10 is due at closing. Uses and sources reconcile at $416,507.70 each. Not a Closing Disclosure.