Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,682Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$157,902The complete starting cash picture.
Estimated remaining funds due at closing
$157,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,682.30
Your down payment$145,682.30
Closing costs + prepaids$12,220.00
Total buyer cash needed$157,902.30
Remaining funds due$157,902.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$683.75
Initial HOA (3 months)$438.00
Prepaid interest, first (26 days)$593.25
Fees + prepaids$12,220.00
Your down payment is the seller’s equity. You take over the $282,318 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $157,902.30 is due at closing. Uses and sources reconcile at $440,220.00 each. Not a Closing Disclosure.