Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$137,896Cash toward the purchase price.
Closing costs + prepaids$11,485Not just lender fees.
Before credits & paid funds$149,381The complete starting cash picture.
Estimated remaining funds due at closing
$149,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,896.03
Your down payment$137,896.03
Closing costs + prepaids$11,485.10
Total buyer cash needed$149,381.12
Remaining funds due$149,381.12
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)$540.00
Prepaid interest, first (9 days)$220.10
Fees + prepaids$11,485.10
Your down payment is the seller’s equity. You take over the $312,104 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $149,381.12 is due at closing. Uses and sources reconcile at $461,485.10 each. Not a Closing Disclosure.