Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$144,623Cash toward the purchase price.
Closing costs + prepaids$11,740Not just lender fees.
Before credits & paid funds$156,363The complete starting cash picture.
Estimated remaining funds due at closing
$156,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,623.22
Your down payment$144,623.22
Closing costs + prepaids$11,739.84
Total buyer cash needed$156,363.06
Remaining funds due$156,363.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$525.00
Prepaid interest, first (14 days)$790.84
Fees + prepaids$11,739.84
Your down payment is the seller’s equity. You take over the $275,277 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $156,363.06 is due at closing. Uses and sources reconcile at $431,639.84 each. Not a Closing Disclosure.