Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,770Cash toward the purchase price.
Closing costs + prepaids$17,361Not just lender fees.
Before credits & paid funds$161,131The complete starting cash picture.
Estimated remaining funds due at closing
$161,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,769.85
Your down payment$143,769.85
Closing costs + prepaids$17,361.32
Total buyer cash needed$161,131.17
Remaining funds due$161,131.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$2,212.50
Prepaid interest, first (25 days)$2,273.82
Fees + prepaids$17,361.32
Your down payment is the seller’s equity. You take over the $496,230 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $161,131.17 is due at closing. Uses and sources reconcile at $657,361.32 each. Not a Closing Disclosure.