Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$128,629Cash toward the purchase price.
Closing costs + prepaids$12,929Not just lender fees.
Before credits & paid funds$141,557The complete starting cash picture.
Estimated remaining funds due at closing
$141,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,628.75
Your down payment$128,628.75
Closing costs + prepaids$12,928.66
Total buyer cash needed$141,557.41
Remaining funds due$141,557.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$593.75
Prepaid interest, first (17 days)$1,109.91
Fees + prepaids$12,928.66
Your down payment is the seller’s equity. You take over the $346,371 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $141,557.41 is due at closing. Uses and sources reconcile at $487,928.66 each. Not a Closing Disclosure.