Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$132,413Cash toward the purchase price.
Closing costs + prepaids$19,288Not just lender fees.
Before credits & paid funds$151,701The complete starting cash picture.
Estimated remaining funds due at closing
$151,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,413.01
Your down payment$132,413.01
Closing costs + prepaids$19,288.36
Total buyer cash needed$151,701.38
Remaining funds due$151,701.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,847.50
Prepaid interest, first (26 days)$2,825.86
Fees + prepaids$19,288.36
Your down payment is the seller’s equity. You take over the $606,587 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $151,701.38 is due at closing. Uses and sources reconcile at $758,288.36 each. Not a Closing Disclosure.