Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$111,297Cash toward the purchase price.
Closing costs + prepaids$12,235Not just lender fees.
Before credits & paid funds$123,532The complete starting cash picture.
Estimated remaining funds due at closing
$123,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,297.10
Your down payment$111,297.10
Closing costs + prepaids$12,234.87
Total buyer cash needed$123,531.97
Remaining funds due$123,531.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$340.25
Prepaid interest, first (20 days)$1,219.62
Fees + prepaids$12,234.87
Your down payment is the seller’s equity. You take over the $333,703 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $123,531.97 is due at closing. Uses and sources reconcile at $457,234.87 each. Not a Closing Disclosure.