Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$127,342Cash toward the purchase price.
Closing costs + prepaids$12,669Not just lender fees.
Before credits & paid funds$140,011The complete starting cash picture.
Estimated remaining funds due at closing
$140,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,341.72
Your down payment$127,341.72
Closing costs + prepaids$12,669.34
Total buyer cash needed$140,011.06
Remaining funds due$140,011.06
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)$2,031.50
Initial HOA (3 months)$267.00
Prepaid interest, first (2 days)$45.84
Fees + prepaids$12,669.34
Your down payment is the seller’s equity. You take over the $282,658 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $140,011.06 is due at closing. Uses and sources reconcile at $422,669.34 each. Not a Closing Disclosure.