Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$119,260Cash toward the purchase price.
Closing costs + prepaids$12,598Not just lender fees.
Before credits & paid funds$131,858The complete starting cash picture.
Estimated remaining funds due at closing
$131,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,259.77
Your down payment$119,259.77
Closing costs + prepaids$12,598.23
Total buyer cash needed$131,858.00
Remaining funds due$131,858.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (13 days)$836.73
Fees + prepaids$12,598.23
Your down payment is the seller’s equity. You take over the $350,640 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $131,858.00 is due at closing. Uses and sources reconcile at $482,498.23 each. Not a Closing Disclosure.