Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$127,502Cash toward the purchase price.
Closing costs + prepaids$12,511Not just lender fees.
Before credits & paid funds$140,013The complete starting cash picture.
Estimated remaining funds due at closing
$140,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,502.30
Your down payment$127,502.30
Closing costs + prepaids$12,510.92
Total buyer cash needed$140,013.23
Remaining funds due$140,013.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$430.50
Initial HOA (3 months)$630.00
Prepaid interest, first (31 days)$825.42
Fees + prepaids$12,510.92
Your down payment is the seller’s equity. You take over the $312,498 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $140,013.23 is due at closing. Uses and sources reconcile at $452,510.92 each. Not a Closing Disclosure.