Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$142,878Cash toward the purchase price.
Closing costs + prepaids$11,193Not just lender fees.
Before credits & paid funds$154,072The complete starting cash picture.
Estimated remaining funds due at closing
$154,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,878.17
Your down payment$142,878.17
Closing costs + prepaids$11,193.45
Total buyer cash needed$154,071.63
Remaining funds due$154,071.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,060.00
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)$507.50
Prepaid interest, first (18 days)$400.95
Fees + prepaids$11,193.45
Your down payment is the seller’s equity. You take over the $263,122 balance, so the rest of the $406,000 price is paid at closing. A second mortgage can cover part of it. $154,071.63 is due at closing. Uses and sources reconcile at $417,193.45 each. Not a Closing Disclosure.