Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$125,765Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$137,241The complete starting cash picture.
Estimated remaining funds due at closing
$137,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,765.02
Your down payment$125,765.02
Closing costs + prepaids$11,476.32
Total buyer cash needed$137,241.34
Remaining funds due$137,241.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$528.00
Initial HOA (3 months)$126.00
Prepaid interest, first (6 days)$197.32
Fees + prepaids$11,476.32
Your down payment is the seller’s equity. You take over the $314,235 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $137,241.34 is due at closing. Uses and sources reconcile at $451,476.32 each. Not a Closing Disclosure.