Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,469Cash toward the purchase price.
Closing costs + prepaids$16,769Not just lender fees.
Before credits & paid funds$147,239The complete starting cash picture.
Estimated remaining funds due at closing
$147,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,469.50
Your down payment$130,469.50
Closing costs + prepaids$16,769.04
Total buyer cash needed$147,238.53
Remaining funds due$147,238.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,218.00
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)$1,554.50
Prepaid interest, first (28 days)$2,521.54
Fees + prepaids$16,769.04
Your down payment is the seller’s equity. You take over the $491,331 balance, so the rest of the $621,800 price is paid at closing. A second mortgage can cover part of it. $147,238.53 is due at closing. Uses and sources reconcile at $638,569.04 each. Not a Closing Disclosure.