Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$133,589Cash toward the purchase price.
Closing costs + prepaids$11,869Not just lender fees.
Before credits & paid funds$145,458The complete starting cash picture.
Estimated remaining funds due at closing
$145,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,588.98
Your down payment$133,588.98
Closing costs + prepaids$11,868.90
Total buyer cash needed$145,457.88
Remaining funds due$145,457.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$199.50
Prepaid interest, first (26 days)$1,254.40
Fees + prepaids$11,868.90
Your down payment is the seller’s equity. You take over the $285,411 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $145,457.88 is due at closing. Uses and sources reconcile at $430,868.90 each. Not a Closing Disclosure.