Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$129,938Cash toward the purchase price.
Closing costs + prepaids$12,614Not just lender fees.
Before credits & paid funds$142,552The complete starting cash picture.
Estimated remaining funds due at closing
$142,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,937.80
Your down payment$129,937.80
Closing costs + prepaids$12,613.74
Total buyer cash needed$142,551.54
Remaining funds due$142,551.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$903.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$794.99
Fees + prepaids$12,613.74
Your down payment is the seller’s equity. You take over the $315,062 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $142,551.54 is due at closing. Uses and sources reconcile at $457,613.74 each. Not a Closing Disclosure.