Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,300Cash toward the purchase price.
Closing costs + prepaids$13,645Not just lender fees.
Before credits & paid funds$129,945The complete starting cash picture.
Estimated remaining funds due at closing
$129,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,300.40
Your down payment$116,300.40
Closing costs + prepaids$13,644.65
Total buyer cash needed$129,945.05
Remaining funds due$129,945.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,300.00
Prepaid interest, first (26 days)$1,620.65
Fees + prepaids$13,644.65
Your down payment is the seller’s equity. You take over the $333,600 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $129,945.05 is due at closing. Uses and sources reconcile at $463,544.65 each. Not a Closing Disclosure.