Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$122,981Cash toward the purchase price.
Closing costs + prepaids$11,845Not just lender fees.
Before credits & paid funds$134,827The complete starting cash picture.
Estimated remaining funds due at closing
$134,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,981.49
Your down payment$122,981.49
Closing costs + prepaids$11,845.37
Total buyer cash needed$134,826.86
Remaining funds due$134,826.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$490.75
Initial HOA (3 months)$750.00
Prepaid interest, first (12 days)$289.62
Fees + prepaids$11,845.37
Your down payment is the seller’s equity. You take over the $286,019 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $134,826.86 is due at closing. Uses and sources reconcile at $420,845.37 each. Not a Closing Disclosure.