Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$139,286Cash toward the purchase price.
Closing costs + prepaids$12,460Not just lender fees.
Before credits & paid funds$151,746The complete starting cash picture.
Estimated remaining funds due at closing
$151,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,285.72
Your down payment$139,285.72
Closing costs + prepaids$12,460.45
Total buyer cash needed$151,746.16
Remaining funds due$151,746.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$492.00
Initial HOA (3 months)$1,380.00
Prepaid interest, first (12 days)$263.45
Fees + prepaids$12,460.45
Your down payment is the seller’s equity. You take over the $270,714 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $151,746.16 is due at closing. Uses and sources reconcile at $422,460.45 each. Not a Closing Disclosure.