Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$136,493Cash toward the purchase price.
Closing costs + prepaids$12,679Not just lender fees.
Before credits & paid funds$149,172The complete starting cash picture.
Estimated remaining funds due at closing
$149,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,492.54
Your down payment$136,492.54
Closing costs + prepaids$12,679.03
Total buyer cash needed$149,171.57
Remaining funds due$149,171.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$1,099.75
Prepaid interest, first (26 days)$955.28
Fees + prepaids$12,679.03
Your down payment is the seller’s equity. You take over the $303,407 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $149,171.57 is due at closing. Uses and sources reconcile at $452,579.03 each. Not a Closing Disclosure.