Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$130,581Cash toward the purchase price.
Closing costs + prepaids$13,669Not just lender fees.
Before credits & paid funds$144,250The complete starting cash picture.
Estimated remaining funds due at closing
$144,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,581.05
Your down payment$130,581.05
Closing costs + prepaids$13,669.36
Total buyer cash needed$144,250.41
Remaining funds due$144,250.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,402.50
Prepaid interest, first (4 days)$291.87
Fees + prepaids$13,669.36
Your down payment is the seller’s equity. You take over the $419,418 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $144,250.41 is due at closing. Uses and sources reconcile at $563,668.36 each. Not a Closing Disclosure.