Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$116,159Cash toward the purchase price.
Closing costs + prepaids$11,235Not just lender fees.
Before credits & paid funds$127,394The complete starting cash picture.
Estimated remaining funds due at closing
$127,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,159.33
Your down payment$116,159.33
Closing costs + prepaids$11,234.94
Total buyer cash needed$127,394.27
Remaining funds due$127,394.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$492.00
Initial HOA (3 months)$210.00
Prepaid interest, first (9 days)$207.94
Fees + prepaids$11,234.94
Your down payment is the seller’s equity. You take over the $293,841 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $127,394.27 is due at closing. Uses and sources reconcile at $421,234.94 each. Not a Closing Disclosure.