Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$135,396Cash toward the purchase price.
Closing costs + prepaids$14,086Not just lender fees.
Before credits & paid funds$149,482The complete starting cash picture.
Estimated remaining funds due at closing
$149,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,395.84
Your down payment$135,395.84
Closing costs + prepaids$14,086.38
Total buyer cash needed$149,482.22
Remaining funds due$149,482.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,439.99
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)$1,360.00
Prepaid interest, first (24 days)$811.39
Fees + prepaids$14,086.38
Your down payment is the seller’s equity. You take over the $408,603 balance, so the rest of the $543,999 price is paid at closing. A second mortgage can cover part of it. $149,482.22 is due at closing. Uses and sources reconcile at $558,085.38 each. Not a Closing Disclosure.