Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$141,957Cash toward the purchase price.
Closing costs + prepaids$11,316Not just lender fees.
Before credits & paid funds$153,273The complete starting cash picture.
Estimated remaining funds due at closing
$153,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,957.29
Your down payment$141,957.29
Closing costs + prepaids$11,315.64
Total buyer cash needed$153,272.93
Remaining funds due$153,272.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$189.50
Prepaid interest, first (2 days)$111.14
Fees + prepaids$11,315.64
Your down payment is the seller’s equity. You take over the $312,043 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $153,272.93 is due at closing. Uses and sources reconcile at $465,315.64 each. Not a Closing Disclosure.