Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,774Cash toward the purchase price.
Closing costs + prepaids$13,067Not just lender fees.
Before credits & paid funds$144,842The complete starting cash picture.
Estimated remaining funds due at closing
$144,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,774.31
Your down payment$131,774.31
Closing costs + prepaids$13,067.46
Total buyer cash needed$144,841.77
Remaining funds due$144,841.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$932.50
Prepaid interest, first (26 days)$1,409.96
Fees + prepaids$13,067.46
Your down payment is the seller’s equity. You take over the $318,226 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $144,841.77 is due at closing. Uses and sources reconcile at $463,067.46 each. Not a Closing Disclosure.