Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$128,007Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$140,157The complete starting cash picture.
Estimated remaining funds due at closing
$140,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,007.40
Your down payment$128,007.40
Closing costs + prepaids$12,149.11
Total buyer cash needed$140,156.51
Remaining funds due$140,156.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$114.00
Prepaid interest, first (6 days)$185.11
Fees + prepaids$12,149.11
Your down payment is the seller’s equity. You take over the $351,893 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $140,156.51 is due at closing. Uses and sources reconcile at $492,049.11 each. Not a Closing Disclosure.