Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$136,842Cash toward the purchase price.
Closing costs + prepaids$11,864Not just lender fees.
Before credits & paid funds$148,706The complete starting cash picture.
Estimated remaining funds due at closing
$148,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,842.01
Your down payment$136,842.01
Closing costs + prepaids$11,864.13
Total buyer cash needed$148,706.13
Remaining funds due$148,706.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$422.50
Initial HOA (3 months)$156.00
Prepaid interest, first (20 days)$980.63
Fees + prepaids$11,864.13
Your down payment is the seller’s equity. You take over the $271,158 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $148,706.13 is due at closing. Uses and sources reconcile at $419,864.13 each. Not a Closing Disclosure.