Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$119,905Cash toward the purchase price.
Closing costs + prepaids$11,379Not just lender fees.
Before credits & paid funds$131,284The complete starting cash picture.
Estimated remaining funds due at closing
$131,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,904.75
Your down payment$119,904.75
Closing costs + prepaids$11,378.92
Total buyer cash needed$131,283.67
Remaining funds due$131,283.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$391.25
Prepaid interest, first (18 days)$612.67
Fees + prepaids$11,378.92
Your down payment is the seller’s equity. You take over the $295,095 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $131,283.67 is due at closing. Uses and sources reconcile at $426,378.92 each. Not a Closing Disclosure.