Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$132,095Cash toward the purchase price.
Closing costs + prepaids$11,951Not just lender fees.
Before credits & paid funds$144,046The complete starting cash picture.
Estimated remaining funds due at closing
$144,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,094.80
Your down payment$132,094.80
Closing costs + prepaids$11,950.95
Total buyer cash needed$144,045.75
Remaining funds due$144,045.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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)$597.00
Prepaid interest, first (23 days)$648.95
Fees + prepaids$11,950.95
Your down payment is the seller’s equity. You take over the $315,905 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $144,045.75 is due at closing. Uses and sources reconcile at $459,950.95 each. Not a Closing Disclosure.