Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$123,053Cash toward the purchase price.
Closing costs + prepaids$17,531Not just lender fees.
Before credits & paid funds$140,585The complete starting cash picture.
Estimated remaining funds due at closing
$140,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,053.24
Your down payment$123,053.24
Closing costs + prepaids$17,531.33
Total buyer cash needed$140,584.56
Remaining funds due$140,584.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,931.25
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$2,525.08
Fees + prepaids$17,531.33
Your down payment is the seller’s equity. You take over the $521,947 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $140,584.56 is due at closing. Uses and sources reconcile at $662,531.33 each. Not a Closing Disclosure.