Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$131,096Cash toward the purchase price.
Closing costs + prepaids$17,961Not just lender fees.
Before credits & paid funds$149,057The complete starting cash picture.
Estimated remaining funds due at closing
$149,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,096.13
Your down payment$131,096.13
Closing costs + prepaids$17,960.53
Total buyer cash needed$149,056.66
Remaining funds due$149,056.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,149.00
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)$1,107.25
Initial HOA (3 months)$129.99
Prepaid interest, first (24 days)$2,349.29
Fees + prepaids$17,960.53
Your down payment is the seller’s equity. You take over the $583,804 balance, so the rest of the $714,900 price is paid at closing. A second mortgage can cover part of it. $149,056.66 is due at closing. Uses and sources reconcile at $732,860.53 each. Not a Closing Disclosure.