Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$127,047Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$138,180The complete starting cash picture.
Estimated remaining funds due at closing
$138,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,046.60
Your down payment$127,046.60
Closing costs + prepaids$11,133.62
Total buyer cash needed$138,180.23
Remaining funds due$138,180.23
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)$560.25
Initial HOA (3 months)$168.00
Prepaid interest, first (1 days)$30.37
Fees + prepaids$11,133.62
Your down payment is the seller’s equity. You take over the $287,953 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $138,180.23 is due at closing. Uses and sources reconcile at $426,133.62 each. Not a Closing Disclosure.