Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$120,757Cash toward the purchase price.
Closing costs + prepaids$12,784Not just lender fees.
Before credits & paid funds$133,541The complete starting cash picture.
Estimated remaining funds due at closing
$133,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,757.42
Your down payment$120,757.42
Closing costs + prepaids$12,783.59
Total buyer cash needed$133,541.01
Remaining funds due$133,541.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$1,125.00
Prepaid interest, first (23 days)$933.60
Fees + prepaids$12,783.59
Your down payment is the seller’s equity. You take over the $329,242 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $133,541.01 is due at closing. Uses and sources reconcile at $462,782.59 each. Not a Closing Disclosure.