Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,498Cash toward the purchase price.
Closing costs + prepaids$12,481Not just lender fees.
Before credits & paid funds$135,979The complete starting cash picture.
Estimated remaining funds due at closing
$135,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,498.35
Your down payment$123,498.35
Closing costs + prepaids$12,480.92
Total buyer cash needed$135,979.28
Remaining funds due$135,979.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.99
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)$365.50
Prepaid interest, first (25 days)$1,540.43
Fees + prepaids$12,480.92
Your down payment is the seller’s equity. You take over the $311,501 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $135,979.28 is due at closing. Uses and sources reconcile at $447,479.92 each. Not a Closing Disclosure.