Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,638Cash toward the purchase price.
Closing costs + prepaids$12,080Not just lender fees.
Before credits & paid funds$128,718The complete starting cash picture.
Estimated remaining funds due at closing
$128,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,637.98
Your down payment$116,637.98
Closing costs + prepaids$12,080.48
Total buyer cash needed$128,718.46
Remaining funds due$128,718.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$511.00
Initial HOA (3 months)$309.00
Prepaid interest, first (31 days)$745.48
Fees + prepaids$12,080.48
Your down payment is the seller’s equity. You take over the $312,362 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $128,718.46 is due at closing. Uses and sources reconcile at $441,080.48 each. Not a Closing Disclosure.