Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$123,230Cash toward the purchase price.
Closing costs + prepaids$13,344Not just lender fees.
Before credits & paid funds$136,574The complete starting cash picture.
Estimated remaining funds due at closing
$136,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,229.79
Your down payment$123,229.79
Closing costs + prepaids$13,344.26
Total buyer cash needed$136,574.05
Remaining funds due$136,574.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$1,028.75
Prepaid interest, first (27 days)$1,590.52
Fees + prepaids$13,344.26
Your down payment is the seller’s equity. You take over the $326,769 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $136,574.05 is due at closing. Uses and sources reconcile at $463,343.26 each. Not a Closing Disclosure.