Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,368Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$142,317The complete starting cash picture.
Estimated remaining funds due at closing
$142,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,367.66
Your down payment$130,367.66
Closing costs + prepaids$11,949.49
Total buyer cash needed$142,317.16
Remaining funds due$142,317.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$926.00
Prepaid interest, first (27 days)$648.49
Fees + prepaids$11,949.49
Your down payment is the seller’s equity. You take over the $284,632 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $142,317.16 is due at closing. Uses and sources reconcile at $426,949.49 each. Not a Closing Disclosure.