Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$137,810Cash toward the purchase price.
Closing costs + prepaids$11,379Not just lender fees.
Before credits & paid funds$149,189The complete starting cash picture.
Estimated remaining funds due at closing
$149,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,809.94
Your down payment$137,809.94
Closing costs + prepaids$11,379.37
Total buyer cash needed$149,189.32
Remaining funds due$149,189.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$522.00
Prepaid interest, first (12 days)$282.37
Fees + prepaids$11,379.37
Your down payment is the seller’s equity. You take over the $297,190 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $149,189.32 is due at closing. Uses and sources reconcile at $446,379.37 each. Not a Closing Disclosure.