Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$134,168Cash toward the purchase price.
Closing costs + prepaids$14,123Not just lender fees.
Before credits & paid funds$148,290The complete starting cash picture.
Estimated remaining funds due at closing
$148,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,167.56
Your down payment$134,167.56
Closing costs + prepaids$14,122.51
Total buyer cash needed$148,290.07
Remaining funds due$148,290.07
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)$1,072.50
Initial HOA (3 months)$1,680.00
Prepaid interest, first (29 days)$855.01
Fees + prepaids$14,122.51
Your down payment is the seller’s equity. You take over the $294,832 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $148,290.07 is due at closing. Uses and sources reconcile at $443,122.51 each. Not a Closing Disclosure.