Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$126,411Cash toward the purchase price.
Closing costs + prepaids$12,460Not just lender fees.
Before credits & paid funds$138,871The complete starting cash picture.
Estimated remaining funds due at closing
$138,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,410.76
Your down payment$126,410.76
Closing costs + prepaids$12,460.09
Total buyer cash needed$138,870.85
Remaining funds due$138,870.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$637.50
Prepaid interest, first (20 days)$697.59
Fees + prepaids$12,460.09
Your down payment is the seller’s equity. You take over the $338,589 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $138,870.85 is due at closing. Uses and sources reconcile at $477,460.09 each. Not a Closing Disclosure.