Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$128,184Cash toward the purchase price.
Closing costs + prepaids$11,979Not just lender fees.
Before credits & paid funds$140,163The complete starting cash picture.
Estimated remaining funds due at closing
$140,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,183.91
Your down payment$128,183.91
Closing costs + prepaids$11,979.23
Total buyer cash needed$140,163.15
Remaining funds due$140,163.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$189.50
Prepaid interest, first (21 days)$1,165.73
Fees + prepaids$11,979.23
Your down payment is the seller’s equity. You take over the $311,716 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $140,163.15 is due at closing. Uses and sources reconcile at $451,879.23 each. Not a Closing Disclosure.