Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$134,853Cash toward the purchase price.
Closing costs + prepaids$11,069Not just lender fees.
Before credits & paid funds$145,922The complete starting cash picture.
Estimated remaining funds due at closing
$145,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,852.68
Your down payment$134,852.68
Closing costs + prepaids$11,069.10
Total buyer cash needed$145,921.79
Remaining funds due$145,921.79
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 (2 days)$45.59
Fees + prepaids$11,069.10
Your down payment is the seller’s equity. You take over the $270,147 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $145,921.79 is due at closing. Uses and sources reconcile at $416,069.10 each. Not a Closing Disclosure.