Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$120,630Cash toward the purchase price.
Closing costs + prepaids$12,972Not just lender fees.
Before credits & paid funds$133,602The complete starting cash picture.
Estimated remaining funds due at closing
$133,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,630.06
Your down payment$120,630.06
Closing costs + prepaids$12,972.16
Total buyer cash needed$133,602.22
Remaining funds due$133,602.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$1,021.00
Prepaid interest, first (27 days)$1,536.16
Fees + prepaids$12,972.16
Your down payment is the seller’s equity. You take over the $298,370 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $133,602.22 is due at closing. Uses and sources reconcile at $431,972.16 each. Not a Closing Disclosure.