Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$126,575Cash toward the purchase price.
Closing costs + prepaids$13,239Not just lender fees.
Before credits & paid funds$139,814The complete starting cash picture.
Estimated remaining funds due at closing
$139,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,575.16
Your down payment$126,575.16
Closing costs + prepaids$13,239.01
Total buyer cash needed$139,814.17
Remaining funds due$139,814.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$1,375.00
Prepaid interest, first (24 days)$1,249.01
Fees + prepaids$13,239.01
Your down payment is the seller’s equity. You take over the $312,425 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $139,814.17 is due at closing. Uses and sources reconcile at $452,239.01 each. Not a Closing Disclosure.