Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$136,443Cash toward the purchase price.
Closing costs + prepaids$12,284Not just lender fees.
Before credits & paid funds$148,728The complete starting cash picture.
Estimated remaining funds due at closing
$148,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,443.46
Your down payment$136,443.46
Closing costs + prepaids$12,284.38
Total buyer cash needed$148,727.84
Remaining funds due$148,727.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$676.50
Initial HOA (3 months)$357.00
Prepaid interest, first (21 days)$535.88
Fees + prepaids$12,284.38
Your down payment is the seller’s equity. You take over the $312,557 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $148,727.84 is due at closing. Uses and sources reconcile at $461,284.38 each. Not a Closing Disclosure.