Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$122,854Cash toward the purchase price.
Closing costs + prepaids$15,118Not just lender fees.
Before credits & paid funds$137,972The complete starting cash picture.
Estimated remaining funds due at closing
$137,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,854.40
Your down payment$122,854.40
Closing costs + prepaids$15,117.57
Total buyer cash needed$137,971.97
Remaining funds due$137,971.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$1,748.75
Prepaid interest, first (24 days)$1,653.82
Fees + prepaids$15,117.57
Your down payment is the seller’s equity. You take over the $401,146 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $137,971.97 is due at closing. Uses and sources reconcile at $539,117.57 each. Not a Closing Disclosure.