Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$137,939Cash toward the purchase price.
Closing costs + prepaids$11,659Not just lender fees.
Before credits & paid funds$149,598The complete starting cash picture.
Estimated remaining funds due at closing
$149,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,939.41
Your down payment$137,939.41
Closing costs + prepaids$11,658.61
Total buyer cash needed$149,598.02
Remaining funds due$149,598.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$464.25
Prepaid interest, first (25 days)$620.36
Fees + prepaids$11,658.61
Your down payment is the seller’s equity. You take over the $296,961 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $149,598.02 is due at closing. Uses and sources reconcile at $446,558.61 each. Not a Closing Disclosure.