Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$121,537Cash toward the purchase price.
Closing costs + prepaids$11,229Not just lender fees.
Before credits & paid funds$132,766The complete starting cash picture.
Estimated remaining funds due at closing
$132,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,536.59
Your down payment$121,536.59
Closing costs + prepaids$11,229.12
Total buyer cash needed$132,765.71
Remaining funds due$132,765.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$501.50
Prepaid interest, first (12 days)$322.62
Fees + prepaids$11,229.12
Your down payment is the seller’s equity. You take over the $296,463 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $132,765.71 is due at closing. Uses and sources reconcile at $429,229.12 each. Not a Closing Disclosure.