Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,631Cash toward the purchase price.
Closing costs + prepaids$11,625Not just lender fees.
Before credits & paid funds$150,257The complete starting cash picture.
Estimated remaining funds due at closing
$150,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,631.30
Your down payment$138,631.30
Closing costs + prepaids$11,625.29
Total buyer cash needed$150,256.59
Remaining funds due$150,256.59
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)$469.25
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$696.04
Fees + prepaids$11,625.29
Your down payment is the seller’s equity. You take over the $271,369 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $150,256.59 is due at closing. Uses and sources reconcile at $421,625.29 each. Not a Closing Disclosure.