Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,050Cash toward the purchase price.
Closing costs + prepaids$12,290Not just lender fees.
Before credits & paid funds$158,340The complete starting cash picture.
Estimated remaining funds due at closing
$158,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,050.12
Your down payment$146,050.12
Closing costs + prepaids$12,289.54
Total buyer cash needed$158,339.66
Remaining funds due$158,339.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$848.25
Prepaid interest, first (28 days)$816.29
Fees + prepaids$12,289.54
Your down payment is the seller’s equity. You take over the $293,950 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $158,339.66 is due at closing. Uses and sources reconcile at $452,289.54 each. Not a Closing Disclosure.