Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$146,189Cash toward the purchase price.
Closing costs + prepaids$11,843Not just lender fees.
Before credits & paid funds$158,032The complete starting cash picture.
Estimated remaining funds due at closing
$158,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,189.29
Your down payment$146,189.29
Closing costs + prepaids$11,842.66
Total buyer cash needed$158,031.95
Remaining funds due$158,031.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$577.25
Prepaid interest, first (26 days)$640.42
Fees + prepaids$11,842.66
Your down payment is the seller’s equity. You take over the $293,810 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $158,031.95 is due at closing. Uses and sources reconcile at $451,841.66 each. Not a Closing Disclosure.