Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$133,291Cash toward the purchase price.
Closing costs + prepaids$13,811Not just lender fees.
Before credits & paid funds$147,103The complete starting cash picture.
Estimated remaining funds due at closing
$147,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,291.20
Your down payment$133,291.20
Closing costs + prepaids$13,811.42
Total buyer cash needed$147,102.62
Remaining funds due$147,102.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,497.00
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)$1,502.00
Prepaid interest, first (24 days)$1,587.42
Fees + prepaids$13,811.42
Your down payment is the seller’s equity. You take over the $316,409 balance, so the rest of the $449,700 price is paid at closing. A second mortgage can cover part of it. $147,102.62 is due at closing. Uses and sources reconcile at $463,511.42 each. Not a Closing Disclosure.