Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$133,842Cash toward the purchase price.
Closing costs + prepaids$11,358Not just lender fees.
Before credits & paid funds$145,200The complete starting cash picture.
Estimated remaining funds due at closing
$145,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,842.01
Your down payment$133,842.01
Closing costs + prepaids$11,358.28
Total buyer cash needed$145,200.29
Remaining funds due$145,200.29
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)$156.00
Prepaid interest, first (9 days)$441.28
Fees + prepaids$11,358.28
Your down payment is the seller’s equity. You take over the $271,158 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $145,200.29 is due at closing. Uses and sources reconcile at $416,358.28 each. Not a Closing Disclosure.