Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,727Cash toward the purchase price.
Closing costs + prepaids$12,749Not just lender fees.
Before credits & paid funds$144,476The complete starting cash picture.
Estimated remaining funds due at closing
$144,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,727.46
Your down payment$131,727.46
Closing costs + prepaids$12,748.99
Total buyer cash needed$144,476.45
Remaining funds due$144,476.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,079.00
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)$2,214.00
Initial HOA (3 months)$207.99
Prepaid interest, first (1 days)$23.00
Fees + prepaids$12,748.99
Your down payment is the seller’s equity. You take over the $276,173 balance, so the rest of the $407,900 price is paid at closing. A second mortgage can cover part of it. $144,476.45 is due at closing. Uses and sources reconcile at $420,648.99 each. Not a Closing Disclosure.