Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$124,989Cash toward the purchase price.
Closing costs + prepaids$11,324Not just lender fees.
Before credits & paid funds$136,313The complete starting cash picture.
Estimated remaining funds due at closing
$136,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,989.43
Your down payment$124,989.43
Closing costs + prepaids$11,323.97
Total buyer cash needed$136,313.41
Remaining funds due$136,313.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$304.25
Prepaid interest, first (31 days)$694.72
Fees + prepaids$11,323.97
Your down payment is the seller’s equity. You take over the $285,011 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $136,313.41 is due at closing. Uses and sources reconcile at $421,323.97 each. Not a Closing Disclosure.