Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,654Cash toward the purchase price.
Closing costs + prepaids$14,736Not just lender fees.
Before credits & paid funds$143,390The complete starting cash picture.
Estimated remaining funds due at closing
$143,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,653.94
Your down payment$128,653.94
Closing costs + prepaids$14,736.15
Total buyer cash needed$143,390.08
Remaining funds due$143,390.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,984.00
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)$1,210.50
Prepaid interest, first (28 days)$1,066.65
Fees + prepaids$14,736.15
Your down payment is the seller’s equity. You take over the $469,746 balance, so the rest of the $598,400 price is paid at closing. A second mortgage can cover part of it. $143,390.08 is due at closing. Uses and sources reconcile at $613,136.15 each. Not a Closing Disclosure.