Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,936Cash toward the purchase price.
Closing costs + prepaids$11,864Not just lender fees.
Before credits & paid funds$150,801The complete starting cash picture.
Estimated remaining funds due at closing
$150,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,936.31
Your down payment$138,936.31
Closing costs + prepaids$11,864.25
Total buyer cash needed$150,800.56
Remaining funds due$150,800.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$257.25
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$738.00
Fees + prepaids$11,864.25
Your down payment is the seller’s equity. You take over the $305,964 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $150,800.56 is due at closing. Uses and sources reconcile at $456,764.25 each. Not a Closing Disclosure.