Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$140,109Cash toward the purchase price.
Closing costs + prepaids$12,422Not just lender fees.
Before credits & paid funds$152,531The complete starting cash picture.
Estimated remaining funds due at closing
$152,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,109.34
Your down payment$140,109.34
Closing costs + prepaids$12,421.61
Total buyer cash needed$152,530.95
Remaining funds due$152,530.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$454.50
Prepaid interest, first (22 days)$1,242.11
Fees + prepaids$12,421.61
Your down payment is the seller’s equity. You take over the $309,891 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $152,530.95 is due at closing. Uses and sources reconcile at $462,421.61 each. Not a Closing Disclosure.