Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,372Cash toward the purchase price.
Closing costs + prepaids$12,704Not just lender fees.
Before credits & paid funds$138,076The complete starting cash picture.
Estimated remaining funds due at closing
$138,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,371.88
Your down payment$125,371.88
Closing costs + prepaids$12,704.13
Total buyer cash needed$138,076.01
Remaining funds due$138,076.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$813.25
Prepaid interest, first (28 days)$1,315.88
Fees + prepaids$12,704.13
Your down payment is the seller’s equity. You take over the $309,628 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $138,076.01 is due at closing. Uses and sources reconcile at $447,704.13 each. Not a Closing Disclosure.