Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$138,856Cash toward the purchase price.
Closing costs + prepaids$13,447Not just lender fees.
Before credits & paid funds$152,304The complete starting cash picture.
Estimated remaining funds due at closing
$152,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,856.23
Your down payment$138,856.23
Closing costs + prepaids$13,447.48
Total buyer cash needed$152,303.71
Remaining funds due$152,303.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$1,142.25
Initial HOA (3 months)$1,095.00
Prepaid interest, first (30 days)$715.23
Fees + prepaids$13,447.48
Your down payment is the seller’s equity. You take over the $288,144 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $152,303.71 is due at closing. Uses and sources reconcile at $440,447.48 each. Not a Closing Disclosure.