Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$136,545Cash toward the purchase price.
Closing costs + prepaids$12,130Not just lender fees.
Before credits & paid funds$148,675The complete starting cash picture.
Estimated remaining funds due at closing
$148,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,545.24
Your down payment$136,545.24
Closing costs + prepaids$12,130.12
Total buyer cash needed$148,675.36
Remaining funds due$148,675.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$528.00
Initial HOA (3 months)$603.00
Prepaid interest, first (12 days)$374.12
Fees + prepaids$12,130.12
Your down payment is the seller’s equity. You take over the $303,455 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $148,675.36 is due at closing. Uses and sources reconcile at $452,130.12 each. Not a Closing Disclosure.