Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,124Cash toward the purchase price.
Closing costs + prepaids$13,491Not just lender fees.
Before credits & paid funds$122,615The complete starting cash picture.
Estimated remaining funds due at closing
$122,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,124.05
Your down payment$109,124.05
Closing costs + prepaids$13,491.35
Total buyer cash needed$122,615.40
Remaining funds due$122,615.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,233.00
Prepaid interest, first (26 days)$1,633.35
Fees + prepaids$13,491.35
Your down payment is the seller’s equity. You take over the $330,876 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $122,615.40 is due at closing. Uses and sources reconcile at $453,491.35 each. Not a Closing Disclosure.