Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$112,307Cash toward the purchase price.
Closing costs + prepaids$14,298Not just lender fees.
Before credits & paid funds$126,604The complete starting cash picture.
Estimated remaining funds due at closing
$126,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,306.52
Your down payment$112,306.52
Closing costs + prepaids$14,297.85
Total buyer cash needed$126,604.37
Remaining funds due$126,604.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.99
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)$1,256.00
Prepaid interest, first (30 days)$1,866.86
Fees + prepaids$14,297.85
Your down payment is the seller’s equity. You take over the $357,692 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $126,604.37 is due at closing. Uses and sources reconcile at $484,296.85 each. Not a Closing Disclosure.