Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$118,503Cash toward the purchase price.
Closing costs + prepaids$11,178Not just lender fees.
Before credits & paid funds$129,681The complete starting cash picture.
Estimated remaining funds due at closing
$129,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,503.05
Your down payment$118,503.05
Closing costs + prepaids$11,178.14
Total buyer cash needed$129,681.19
Remaining funds due$129,681.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.95
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)$480.50
Initial HOA (3 months)$219.00
Prepaid interest, first (1 days)$53.69
Fees + prepaids$11,178.14
Your down payment is the seller’s equity. You take over the $301,492 balance, so the rest of the $419,995 price is paid at closing. A second mortgage can cover part of it. $129,681.19 is due at closing. Uses and sources reconcile at $431,173.14 each. Not a Closing Disclosure.