Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$107,146Cash toward the purchase price.
Closing costs + prepaids$13,438Not just lender fees.
Before credits & paid funds$120,584The complete starting cash picture.
Estimated remaining funds due at closing
$120,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,146.26
Your down payment$107,146.26
Closing costs + prepaids$13,438.22
Total buyer cash needed$120,584.47
Remaining funds due$120,584.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Prepaid interest, first (27 days)$1,600.72
Fees + prepaids$13,438.22
Your down payment is the seller’s equity. You take over the $341,854 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $120,584.47 is due at closing. Uses and sources reconcile at $462,438.22 each. Not a Closing Disclosure.