Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,958Cash toward the purchase price.
Closing costs + prepaids$12,061Not just lender fees.
Before credits & paid funds$142,018The complete starting cash picture.
Estimated remaining funds due at closing
$142,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,957.67
Your down payment$129,957.67
Closing costs + prepaids$12,060.63
Total buyer cash needed$142,018.29
Remaining funds due$142,018.29
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)$339.25
Prepaid interest, first (28 days)$1,396.38
Fees + prepaids$12,060.63
Your down payment is the seller’s equity. You take over the $280,042 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $142,018.29 is due at closing. Uses and sources reconcile at $422,060.63 each. Not a Closing Disclosure.