Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,141Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$127,191The complete starting cash picture.
Estimated remaining funds due at closing
$127,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,140.53
Your down payment$115,140.53
Closing costs + prepaids$12,050.45
Total buyer cash needed$127,190.98
Remaining funds due$127,190.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,040.00
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)$533.00
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$922.45
Fees + prepaids$12,050.45
Your down payment is the seller’s equity. You take over the $288,859 balance, so the rest of the $404,000 price is paid at closing. A second mortgage can cover part of it. $127,190.98 is due at closing. Uses and sources reconcile at $416,050.45 each. Not a Closing Disclosure.