Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$122,126Cash toward the purchase price.
Closing costs + prepaids$11,214Not just lender fees.
Before credits & paid funds$133,340The complete starting cash picture.
Estimated remaining funds due at closing
$133,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,125.57
Your down payment$122,125.57
Closing costs + prepaids$11,213.97
Total buyer cash needed$133,339.54
Remaining funds due$133,339.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$451.50
Initial HOA (3 months)$363.00
Prepaid interest, first (1 days)$24.47
Fees + prepaids$11,213.97
Your down payment is the seller’s equity. You take over the $292,874 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $133,339.54 is due at closing. Uses and sources reconcile at $426,213.97 each. Not a Closing Disclosure.