Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$130,240Cash toward the purchase price.
Closing costs + prepaids$14,907Not just lender fees.
Before credits & paid funds$145,146The complete starting cash picture.
Estimated remaining funds due at closing
$145,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,239.55
Your down payment$130,239.55
Closing costs + prepaids$14,906.72
Total buyer cash needed$145,146.27
Remaining funds due$145,146.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.90
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)$1,619.25
Prepaid interest, first (5 days)$462.57
Fees + prepaids$14,906.72
Your down payment is the seller’s equity. You take over the $504,750 balance, so the rest of the $634,990 price is paid at closing. A second mortgage can cover part of it. $145,146.27 is due at closing. Uses and sources reconcile at $649,896.72 each. Not a Closing Disclosure.