Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$125,752Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$137,549The complete starting cash picture.
Estimated remaining funds due at closing
$137,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,751.68
Your down payment$125,751.68
Closing costs + prepaids$11,797.45
Total buyer cash needed$137,549.13
Remaining funds due$137,549.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$637.50
Prepaid interest, first (1 days)$34.95
Fees + prepaids$11,797.45
Your down payment is the seller’s equity. You take over the $339,248 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $137,549.13 is due at closing. Uses and sources reconcile at $476,797.45 each. Not a Closing Disclosure.