Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$140,524Cash toward the purchase price.
Closing costs + prepaids$13,593Not just lender fees.
Before credits & paid funds$154,118The complete starting cash picture.
Estimated remaining funds due at closing
$154,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,524.47
Your down payment$140,524.47
Closing costs + prepaids$13,593.17
Total buyer cash needed$154,117.63
Remaining funds due$154,117.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$769.25
Prepaid interest, first (25 days)$858.92
Fees + prepaids$13,593.17
Your down payment is the seller’s equity. You take over the $408,476 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $154,117.63 is due at closing. Uses and sources reconcile at $562,593.17 each. Not a Closing Disclosure.