Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$132,999Cash toward the purchase price.
Closing costs + prepaids$12,920Not just lender fees.
Before credits & paid funds$145,919The complete starting cash picture.
Estimated remaining funds due at closing
$145,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,998.76
Your down payment$132,998.76
Closing costs + prepaids$12,920.01
Total buyer cash needed$145,918.78
Remaining funds due$145,918.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$375.00
Prepaid interest, first (21 days)$1,280.01
Fees + prepaids$12,920.01
Your down payment is the seller’s equity. You take over the $346,001 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $145,918.78 is due at closing. Uses and sources reconcile at $491,920.01 each. Not a Closing Disclosure.