Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$131,646Cash toward the purchase price.
Closing costs + prepaids$11,839Not just lender fees.
Before credits & paid funds$143,485The complete starting cash picture.
Estimated remaining funds due at closing
$143,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,646.11
Your down payment$131,646.11
Closing costs + prepaids$11,839.21
Total buyer cash needed$143,485.31
Remaining funds due$143,485.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$384.25
Initial HOA (3 months)$780.00
Prepaid interest, first (2 days)$59.96
Fees + prepaids$11,839.21
Your down payment is the seller’s equity. You take over the $307,354 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $143,485.31 is due at closing. Uses and sources reconcile at $450,839.21 each. Not a Closing Disclosure.