Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,159Cash toward the purchase price.
Closing costs + prepaids$11,608Not just lender fees.
Before credits & paid funds$127,767The complete starting cash picture.
Estimated remaining funds due at closing
$127,767No 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$11,608.00
Total buyer cash needed$127,767.32
Remaining funds due$127,767.32
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)$356.75
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$716.25
Fees + prepaids$11,608.00
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. $127,767.32 is due at closing. Uses and sources reconcile at $421,608.00 each. Not a Closing Disclosure.