Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$127,072Cash toward the purchase price.
Closing costs + prepaids$13,015Not just lender fees.
Before credits & paid funds$140,088The complete starting cash picture.
Estimated remaining funds due at closing
$140,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,072.48
Your down payment$127,072.48
Closing costs + prepaids$13,015.25
Total buyer cash needed$140,087.73
Remaining funds due$140,087.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,220.00
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)$403.75
Initial HOA (3 months)$363.00
Prepaid interest, first (31 days)$1,803.50
Fees + prepaids$13,015.25
Your down payment is the seller’s equity. You take over the $294,928 balance, so the rest of the $422,000 price is paid at closing. A second mortgage can cover part of it. $140,087.73 is due at closing. Uses and sources reconcile at $435,015.25 each. Not a Closing Disclosure.