Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$126,779Cash toward the purchase price.
Closing costs + prepaids$11,328Not just lender fees.
Before credits & paid funds$138,107The complete starting cash picture.
Estimated remaining funds due at closing
$138,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,778.72
Your down payment$126,778.72
Closing costs + prepaids$11,328.22
Total buyer cash needed$138,106.94
Remaining funds due$138,106.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,220.00
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)$403.75
Initial HOA (3 months)$363.00
Prepaid interest, first (2 days)$116.47
Fees + prepaids$11,328.22
Your down payment is the seller’s equity. You take over the $295,221 balance, so the rest of the $422,000 price is paid at closing. A second mortgage can cover part of it. $138,106.94 is due at closing. Uses and sources reconcile at $433,328.22 each. Not a Closing Disclosure.