Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,639Cash toward the purchase price.
Closing costs + prepaids$12,603Not just lender fees.
Before credits & paid funds$133,242The complete starting cash picture.
Estimated remaining funds due at closing
$133,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,638.66
Your down payment$120,638.66
Closing costs + prepaids$12,602.93
Total buyer cash needed$133,241.59
Remaining funds due$133,241.59
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)$1,125.00
Prepaid interest, first (28 days)$752.93
Fees + prepaids$12,602.93
Your down payment is the seller’s equity. You take over the $329,361 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $133,241.59 is due at closing. Uses and sources reconcile at $462,602.93 each. Not a Closing Disclosure.