Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$108,953Cash toward the purchase price.
Closing costs + prepaids$11,556Not just lender fees.
Before credits & paid funds$120,509The complete starting cash picture.
Estimated remaining funds due at closing
$120,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,953.26
Your down payment$108,953.26
Closing costs + prepaids$11,555.72
Total buyer cash needed$120,508.98
Remaining funds due$120,508.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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)$537.50
Prepaid interest, first (12 days)$313.22
Fees + prepaids$11,555.72
Your down payment is the seller’s equity. You take over the $339,047 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $120,508.98 is due at closing. Uses and sources reconcile at $459,555.72 each. Not a Closing Disclosure.