Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$146,143Cash toward the purchase price.
Closing costs + prepaids$10,671Not just lender fees.
Before credits & paid funds$156,814The complete starting cash picture.
Estimated remaining funds due at closing
$156,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,143.18
Your down payment$146,143.18
Closing costs + prepaids$10,670.83
Total buyer cash needed$156,814.01
Remaining funds due$156,814.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$317.25
Prepaid interest, first (2 days)$78.58
Fees + prepaids$10,670.83
Your down payment is the seller’s equity. You take over the $258,857 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $156,814.01 is due at closing. Uses and sources reconcile at $415,670.83 each. Not a Closing Disclosure.