Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$113,734Cash toward the purchase price.
Closing costs + prepaids$12,083Not just lender fees.
Before credits & paid funds$125,817The complete starting cash picture.
Estimated remaining funds due at closing
$125,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,734.01
Your down payment$113,734.01
Closing costs + prepaids$12,083.28
Total buyer cash needed$125,817.29
Remaining funds due$125,817.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$283.00
Initial HOA (3 months)$300.00
Prepaid interest, first (21 days)$1,076.28
Fees + prepaids$12,083.28
Your down payment is the seller’s equity. You take over the $306,166 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $125,817.29 is due at closing. Uses and sources reconcile at $431,983.28 each. Not a Closing Disclosure.