Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,385Cash toward the purchase price.
Closing costs + prepaids$11,943Not just lender fees.
Before credits & paid funds$151,328The complete starting cash picture.
Estimated remaining funds due at closing
$151,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,384.75
Your down payment$139,384.75
Closing costs + prepaids$11,943.37
Total buyer cash needed$151,328.13
Remaining funds due$151,328.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,075.00
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)$1,030.75
Prepaid interest, first (30 days)$612.62
Fees + prepaids$11,943.37
Your down payment is the seller’s equity. You take over the $268,115 balance, so the rest of the $407,500 price is paid at closing. A second mortgage can cover part of it. $151,328.13 is due at closing. Uses and sources reconcile at $419,443.37 each. Not a Closing Disclosure.