Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$136,215Cash toward the purchase price.
Closing costs + prepaids$12,777Not just lender fees.
Before credits & paid funds$148,992The complete starting cash picture.
Estimated remaining funds due at closing
$148,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,215.45
Your down payment$136,215.45
Closing costs + prepaids$12,776.84
Total buyer cash needed$148,992.28
Remaining funds due$148,992.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$1,249.25
Prepaid interest, first (5 days)$153.59
Fees + prepaids$12,776.84
Your down payment is the seller’s equity. You take over the $353,685 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $148,992.28 is due at closing. Uses and sources reconcile at $502,676.84 each. Not a Closing Disclosure.