Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,496Cash toward the purchase price.
Closing costs + prepaids$12,049Not just lender fees.
Before credits & paid funds$134,545The complete starting cash picture.
Estimated remaining funds due at closing
$134,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,496.15
Your down payment$122,496.15
Closing costs + prepaids$12,048.70
Total buyer cash needed$134,544.85
Remaining funds due$134,544.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,370.00
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)$531.00
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$667.70
Fees + prepaids$12,048.70
Your down payment is the seller’s equity. You take over the $314,504 balance, so the rest of the $437,000 price is paid at closing. A second mortgage can cover part of it. $134,544.85 is due at closing. Uses and sources reconcile at $449,048.70 each. Not a Closing Disclosure.