Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$130,619Cash toward the purchase price.
Closing costs + prepaids$14,418Not just lender fees.
Before credits & paid funds$145,037The complete starting cash picture.
Estimated remaining funds due at closing
$145,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,619.44
Your down payment$130,619.44
Closing costs + prepaids$14,417.95
Total buyer cash needed$145,037.39
Remaining funds due$145,037.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.97
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)$1,387.50
Prepaid interest, first (23 days)$1,005.48
Fees + prepaids$14,417.95
Your down payment is the seller’s equity. You take over the $424,378 balance, so the rest of the $554,997 price is paid at closing. A second mortgage can cover part of it. $145,037.39 is due at closing. Uses and sources reconcile at $569,414.95 each. Not a Closing Disclosure.