Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,055Cash toward the purchase price.
Closing costs + prepaids$13,723Not just lender fees.
Before credits & paid funds$136,778The complete starting cash picture.
Estimated remaining funds due at closing
$136,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,054.89
Your down payment$123,054.89
Closing costs + prepaids$13,723.15
Total buyer cash needed$136,778.04
Remaining funds due$136,778.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,835.00
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)$1,357.00
Prepaid interest, first (31 days)$1,056.15
Fees + prepaids$13,723.15
Your down payment is the seller’s equity. You take over the $360,445 balance, so the rest of the $483,500 price is paid at closing. A second mortgage can cover part of it. $136,778.04 is due at closing. Uses and sources reconcile at $497,223.15 each. Not a Closing Disclosure.