Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,334Cash toward the purchase price.
Closing costs + prepaids$13,074Not just lender fees.
Before credits & paid funds$142,407The complete starting cash picture.
Estimated remaining funds due at closing
$142,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,333.59
Your down payment$129,333.59
Closing costs + prepaids$13,073.51
Total buyer cash needed$142,407.10
Remaining funds due$142,407.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
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)$625.25
Prepaid interest, first (31 days)$1,774.26
Fees + prepaids$13,073.51
Your down payment is the seller’s equity. You take over the $315,566 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $142,407.10 is due at closing. Uses and sources reconcile at $457,973.51 each. Not a Closing Disclosure.