Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$117,162Cash toward the purchase price.
Closing costs + prepaids$13,494Not just lender fees.
Before credits & paid funds$130,656The complete starting cash picture.
Estimated remaining funds due at closing
$130,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,162.07
Your down payment$117,162.07
Closing costs + prepaids$13,493.54
Total buyer cash needed$130,655.62
Remaining funds due$130,655.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,290.00
Prepaid interest, first (27 days)$1,578.54
Fees + prepaids$13,493.54
Your down payment is the seller’s equity. You take over the $322,838 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $130,655.62 is due at closing. Uses and sources reconcile at $453,493.54 each. Not a Closing Disclosure.