Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$135,466Cash toward the purchase price.
Closing costs + prepaids$11,456Not just lender fees.
Before credits & paid funds$146,922The complete starting cash picture.
Estimated remaining funds due at closing
$146,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,466.21
Your down payment$135,466.21
Closing costs + prepaids$11,455.65
Total buyer cash needed$146,921.86
Remaining funds due$146,921.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$548.50
Initial HOA (3 months)$200.01
Prepaid interest, first (19 days)$432.14
Fees + prepaids$11,455.65
Your down payment is the seller’s equity. You take over the $269,534 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $146,921.86 is due at closing. Uses and sources reconcile at $416,455.65 each. Not a Closing Disclosure.