Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$120,932Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$134,336The complete starting cash picture.
Estimated remaining funds due at closing
$134,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,931.92
Your down payment$120,931.92
Closing costs + prepaids$13,403.68
Total buyer cash needed$134,335.60
Remaining funds due$134,335.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$668.75
Prepaid interest, first (13 days)$909.93
Fees + prepaids$13,403.68
Your down payment is the seller’s equity. You take over the $414,068 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $134,335.60 is due at closing. Uses and sources reconcile at $548,403.68 each. Not a Closing Disclosure.