Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,484Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$126,399The complete starting cash picture.
Estimated remaining funds due at closing
$126,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,483.77
Your down payment$115,483.77
Closing costs + prepaids$10,914.91
Total buyer cash needed$126,398.67
Remaining funds due$126,398.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$356.75
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$23.16
Fees + prepaids$10,914.91
Your down payment is the seller’s equity. You take over the $294,516 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $126,398.67 is due at closing. Uses and sources reconcile at $420,914.91 each. Not a Closing Disclosure.