Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$130,486Cash toward the purchase price.
Closing costs + prepaids$11,745Not just lender fees.
Before credits & paid funds$142,231The complete starting cash picture.
Estimated remaining funds due at closing
$142,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,486.23
Your down payment$130,486.23
Closing costs + prepaids$11,745.03
Total buyer cash needed$142,231.26
Remaining funds due$142,231.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$256.75
Prepaid interest, first (22 days)$1,114.28
Fees + prepaids$11,745.03
Your down payment is the seller’s equity. You take over the $284,414 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $142,231.26 is due at closing. Uses and sources reconcile at $426,645.03 each. Not a Closing Disclosure.