Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$120,942Cash toward the purchase price.
Closing costs + prepaids$12,296Not just lender fees.
Before credits & paid funds$133,238The complete starting cash picture.
Estimated remaining funds due at closing
$133,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,942.41
Your down payment$120,942.41
Closing costs + prepaids$12,295.70
Total buyer cash needed$133,238.11
Remaining funds due$133,238.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,453.50
Prepaid interest, first (2 days)$117.20
Fees + prepaids$12,295.70
Your down payment is the seller’s equity. You take over the $329,058 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $133,238.11 is due at closing. Uses and sources reconcile at $462,295.70 each. Not a Closing Disclosure.