Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$112,101Cash toward the purchase price.
Closing costs + prepaids$13,288Not just lender fees.
Before credits & paid funds$125,389The complete starting cash picture.
Estimated remaining funds due at closing
$125,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,101.50
Your down payment$112,101.50
Closing costs + prepaids$13,287.50
Total buyer cash needed$125,389.00
Remaining funds due$125,389.00
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)$1,159.25
Prepaid interest, first (22 days)$1,403.25
Fees + prepaids$13,287.50
Your down payment is the seller’s equity. You take over the $337,899 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $125,389.00 is due at closing. Uses and sources reconcile at $463,287.50 each. Not a Closing Disclosure.