Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,979Cash toward the purchase price.
Closing costs + prepaids$10,735Not just lender fees.
Before credits & paid funds$155,714The complete starting cash picture.
Estimated remaining funds due at closing
$155,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,978.80
Your down payment$144,978.80
Closing costs + prepaids$10,734.90
Total buyer cash needed$155,713.70
Remaining funds due$155,713.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,079.50
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)$330.25
Prepaid interest, first (2 days)$100.15
Fees + prepaids$10,734.90
Your down payment is the seller’s equity. You take over the $262,971 balance, so the rest of the $407,950 price is paid at closing. A second mortgage can cover part of it. $155,713.70 is due at closing. Uses and sources reconcile at $418,684.90 each. Not a Closing Disclosure.