Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,401Cash toward the purchase price.
Closing costs + prepaids$11,926Not just lender fees.
Before credits & paid funds$147,327The complete starting cash picture.
Estimated remaining funds due at closing
$147,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,400.64
Your down payment$135,400.64
Closing costs + prepaids$11,926.14
Total buyer cash needed$147,326.78
Remaining funds due$147,326.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$261.75
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$795.39
Fees + prepaids$11,926.14
Your down payment is the seller’s equity. You take over the $294,499 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $147,326.78 is due at closing. Uses and sources reconcile at $441,826.14 each. Not a Closing Disclosure.