Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,505Cash toward the purchase price.
Closing costs + prepaids$12,727Not just lender fees.
Before credits & paid funds$132,232The complete starting cash picture.
Estimated remaining funds due at closing
$132,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,504.69
Your down payment$119,504.69
Closing costs + prepaids$12,727.02
Total buyer cash needed$132,231.72
Remaining funds due$132,231.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,440.00
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)$1,021.25
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$815.77
Fees + prepaids$12,727.02
Your down payment is the seller’s equity. You take over the $324,495 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $132,231.72 is due at closing. Uses and sources reconcile at $456,727.02 each. Not a Closing Disclosure.