Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$123,856Cash toward the purchase price.
Closing costs + prepaids$12,753Not just lender fees.
Before credits & paid funds$136,609The complete starting cash picture.
Estimated remaining funds due at closing
$136,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,856.34
Your down payment$123,856.34
Closing costs + prepaids$12,753.05
Total buyer cash needed$136,609.39
Remaining funds due$136,609.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$1,047.50
Prepaid interest, first (28 days)$1,290.55
Fees + prepaids$12,753.05
Your down payment is the seller’s equity. You take over the $295,144 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $136,609.39 is due at closing. Uses and sources reconcile at $431,753.05 each. Not a Closing Disclosure.