Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$122,223Cash toward the purchase price.
Closing costs + prepaids$11,971Not just lender fees.
Before credits & paid funds$134,194The complete starting cash picture.
Estimated remaining funds due at closing
$134,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,223.15
Your down payment$122,223.15
Closing costs + prepaids$11,970.78
Total buyer cash needed$134,193.93
Remaining funds due$134,193.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,037.50
Prepaid interest, first (24 days)$558.28
Fees + prepaids$11,970.78
Your down payment is the seller’s equity. You take over the $292,777 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $134,193.93 is due at closing. Uses and sources reconcile at $426,970.78 each. Not a Closing Disclosure.