Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$111,642Cash toward the purchase price.
Closing costs + prepaids$13,491Not just lender fees.
Before credits & paid funds$125,133The complete starting cash picture.
Estimated remaining funds due at closing
$125,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,642.29
Your down payment$111,642.29
Closing costs + prepaids$13,490.53
Total buyer cash needed$125,132.81
Remaining funds due$125,132.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.99
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)$1,150.00
Prepaid interest, first (30 days)$1,265.54
Fees + prepaids$13,490.53
Your down payment is the seller’s equity. You take over the $348,357 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $125,132.81 is due at closing. Uses and sources reconcile at $473,489.53 each. Not a Closing Disclosure.