Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,206Cash toward the purchase price.
Closing costs + prepaids$15,450Not just lender fees.
Before credits & paid funds$146,656The complete starting cash picture.
Estimated remaining funds due at closing
$146,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,206.48
Your down payment$131,206.48
Closing costs + prepaids$15,449.75
Total buyer cash needed$146,656.23
Remaining funds due$146,656.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$1,565.50
Prepaid interest, first (26 days)$2,009.25
Fees + prepaids$15,449.75
Your down payment is the seller’s equity. You take over the $408,794 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $146,656.23 is due at closing. Uses and sources reconcile at $555,449.75 each. Not a Closing Disclosure.