Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$124,309Cash toward the purchase price.
Closing costs + prepaids$10,652Not just lender fees.
Before credits & paid funds$134,961The complete starting cash picture.
Estimated remaining funds due at closing
$134,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,308.88
Your down payment$124,308.88
Closing costs + prepaids$10,651.71
Total buyer cash needed$134,960.59
Remaining funds due$134,960.59
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 (1 days)$22.46
Fees + prepaids$10,651.71
Your down payment is the seller’s equity. You take over the $285,691 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $134,960.59 is due at closing. Uses and sources reconcile at $420,651.71 each. Not a Closing Disclosure.