Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$119,260Cash toward the purchase price.
Closing costs + prepaids$13,217Not just lender fees.
Before credits & paid funds$132,477The complete starting cash picture.
Estimated remaining funds due at closing
$132,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,259.77
Your down payment$119,259.77
Closing costs + prepaids$13,216.87
Total buyer cash needed$132,476.64
Remaining funds due$132,476.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (23 days)$1,480.37
Fees + prepaids$13,216.87
Your down payment is the seller’s equity. You take over the $350,640 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $132,476.64 is due at closing. Uses and sources reconcile at $483,116.87 each. Not a Closing Disclosure.