Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,679Cash toward the purchase price.
Closing costs + prepaids$16,622Not just lender fees.
Before credits & paid funds$139,301The complete starting cash picture.
Estimated remaining funds due at closing
$139,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,678.99
Your down payment$122,678.99
Closing costs + prepaids$16,621.72
Total buyer cash needed$139,300.71
Remaining funds due$139,300.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$1,344.75
Initial HOA (3 months)$264.00
Prepaid interest, first (25 days)$2,287.97
Fees + prepaids$16,621.72
Your down payment is the seller’s equity. You take over the $502,321 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $139,300.71 is due at closing. Uses and sources reconcile at $641,621.72 each. Not a Closing Disclosure.