Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$138,724Cash toward the purchase price.
Closing costs + prepaids$12,340Not just lender fees.
Before credits & paid funds$151,064The complete starting cash picture.
Estimated remaining funds due at closing
$151,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,723.87
Your down payment$138,723.87
Closing costs + prepaids$12,339.92
Total buyer cash needed$151,063.79
Remaining funds due$151,063.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,567.50
Prepaid interest, first (2 days)$48.42
Fees + prepaids$12,339.92
Your down payment is the seller’s equity. You take over the $311,176 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $151,063.79 is due at closing. Uses and sources reconcile at $462,239.92 each. Not a Closing Disclosure.