Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$115,459Cash toward the purchase price.
Closing costs + prepaids$12,812Not just lender fees.
Before credits & paid funds$128,271The complete starting cash picture.
Estimated remaining funds due at closing
$128,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,459.25
Your down payment$115,459.25
Closing costs + prepaids$12,811.93
Total buyer cash needed$128,271.18
Remaining funds due$128,271.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,358.00
Prepaid interest, first (23 days)$1,129.93
Fees + prepaids$12,811.93
Your down payment is the seller’s equity. You take over the $294,441 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $128,271.18 is due at closing. Uses and sources reconcile at $422,711.93 each. Not a Closing Disclosure.