Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$136,193Cash toward the purchase price.
Closing costs + prepaids$12,922Not just lender fees.
Before credits & paid funds$149,115The complete starting cash picture.
Estimated remaining funds due at closing
$149,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,193.00
Your down payment$136,193.00
Closing costs + prepaids$12,921.57
Total buyer cash needed$149,114.56
Remaining funds due$149,114.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$398.50
Prepaid interest, first (25 days)$1,248.07
Fees + prepaids$12,921.57
Your down payment is the seller’s equity. You take over the $343,807 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $149,114.56 is due at closing. Uses and sources reconcile at $492,921.57 each. Not a Closing Disclosure.