Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$140,363Cash toward the purchase price.
Closing costs + prepaids$11,596Not just lender fees.
Before credits & paid funds$151,959The complete starting cash picture.
Estimated remaining funds due at closing
$151,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,363.49
Your down payment$140,363.49
Closing costs + prepaids$11,595.66
Total buyer cash needed$151,959.15
Remaining funds due$151,959.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$512.50
Initial HOA (3 months)$57.99
Prepaid interest, first (14 days)$700.17
Fees + prepaids$11,595.66
Your down payment is the seller’s equity. You take over the $269,637 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $151,959.15 is due at closing. Uses and sources reconcile at $421,595.66 each. Not a Closing Disclosure.