Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$137,810Cash toward the purchase price.
Closing costs + prepaids$12,032Not just lender fees.
Before credits & paid funds$149,842The complete starting cash picture.
Estimated remaining funds due at closing
$149,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,809.94
Your down payment$137,809.94
Closing costs + prepaids$12,032.05
Total buyer cash needed$149,842.00
Remaining funds due$149,842.00
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)$845.25
Prepaid interest, first (26 days)$611.80
Fees + prepaids$12,032.05
Your down payment is the seller’s equity. You take over the $297,190 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $149,842.00 is due at closing. Uses and sources reconcile at $447,032.05 each. Not a Closing Disclosure.