Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$136,682Cash toward the purchase price.
Closing costs + prepaids$11,561Not just lender fees.
Before credits & paid funds$148,243The complete starting cash picture.
Estimated remaining funds due at closing
$148,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,682.30
Your down payment$136,682.30
Closing costs + prepaids$11,561.11
Total buyer cash needed$148,243.41
Remaining funds due$148,243.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$502.75
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$205.36
Fees + prepaids$11,561.11
Your down payment is the seller’s equity. You take over the $282,318 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $148,243.41 is due at closing. Uses and sources reconcile at $430,561.11 each. Not a Closing Disclosure.