Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,245Cash toward the purchase price.
Closing costs + prepaids$14,603Not just lender fees.
Before credits & paid funds$132,848The complete starting cash picture.
Estimated remaining funds due at closing
$132,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,245.12
Your down payment$118,245.12
Closing costs + prepaids$14,602.85
Total buyer cash needed$132,847.97
Remaining funds due$132,847.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,898.88
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,224.75
Prepaid interest, first (28 days)$2,004.22
Fees + prepaids$14,602.85
Your down payment is the seller’s equity. You take over the $371,643 balance, so the rest of the $489,888 price is paid at closing. A second mortgage can cover part of it. $132,847.97 is due at closing. Uses and sources reconcile at $504,490.85 each. Not a Closing Disclosure.