Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$119,158Cash toward the purchase price.
Closing costs + prepaids$12,579Not just lender fees.
Before credits & paid funds$131,737The complete starting cash picture.
Estimated remaining funds due at closing
$131,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,158.32
Your down payment$119,158.32
Closing costs + prepaids$12,579.12
Total buyer cash needed$131,737.44
Remaining funds due$131,737.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,095.00
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)$1,132.75
Prepaid interest, first (30 days)$1,126.37
Fees + prepaids$12,579.12
Your down payment is the seller’s equity. You take over the $290,342 balance, so the rest of the $409,500 price is paid at closing. A second mortgage can cover part of it. $131,737.44 is due at closing. Uses and sources reconcile at $422,079.12 each. Not a Closing Disclosure.