Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,790Cash toward the purchase price.
Closing costs + prepaids$13,298Not just lender fees.
Before credits & paid funds$141,088The complete starting cash picture.
Estimated remaining funds due at closing
$141,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,790.02
Your down payment$127,790.02
Closing costs + prepaids$13,298.15
Total buyer cash needed$141,088.17
Remaining funds due$141,088.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,704.00
Prepaid interest, first (27 days)$879.15
Fees + prepaids$13,298.15
Your down payment is the seller’s equity. You take over the $321,210 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $141,088.17 is due at closing. Uses and sources reconcile at $462,298.15 each. Not a Closing Disclosure.