Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$116,833Cash toward the purchase price.
Closing costs + prepaids$13,552Not just lender fees.
Before credits & paid funds$130,385The complete starting cash picture.
Estimated remaining funds due at closing
$130,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,833.05
Your down payment$116,833.05
Closing costs + prepaids$13,551.79
Total buyer cash needed$130,384.84
Remaining funds due$130,384.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,958.88
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,239.75
Prepaid interest, first (28 days)$878.16
Fees + prepaids$13,551.79
Your down payment is the seller’s equity. You take over the $379,055 balance, so the rest of the $495,888 price is paid at closing. A second mortgage can cover part of it. $130,384.84 is due at closing. Uses and sources reconcile at $509,439.79 each. Not a Closing Disclosure.