Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$121,776Cash toward the purchase price.
Closing costs + prepaids$11,406Not just lender fees.
Before credits & paid funds$133,182The complete starting cash picture.
Estimated remaining funds due at closing
$133,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,776.46
Your down payment$121,776.46
Closing costs + prepaids$11,405.79
Total buyer cash needed$133,182.25
Remaining funds due$133,182.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,370.00
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)$531.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$24.79
Fees + prepaids$11,405.79
Your down payment is the seller’s equity. You take over the $315,224 balance, so the rest of the $437,000 price is paid at closing. A second mortgage can cover part of it. $133,182.25 is due at closing. Uses and sources reconcile at $448,405.79 each. Not a Closing Disclosure.