Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,354Cash toward the purchase price.
Closing costs + prepaids$11,330Not just lender fees.
Before credits & paid funds$142,684The complete starting cash picture.
Estimated remaining funds due at closing
$142,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,353.76
Your down payment$131,353.76
Closing costs + prepaids$11,330.28
Total buyer cash needed$142,684.04
Remaining funds due$142,684.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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)$597.00
Prepaid interest, first (1 days)$28.28
Fees + prepaids$11,330.28
Your down payment is the seller’s equity. You take over the $316,646 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $142,684.04 is due at closing. Uses and sources reconcile at $459,330.28 each. Not a Closing Disclosure.