Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$135,345Cash toward the purchase price.
Closing costs + prepaids$14,876Not just lender fees.
Before credits & paid funds$150,221The complete starting cash picture.
Estimated remaining funds due at closing
$150,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,345.48
Your down payment$135,345.48
Closing costs + prepaids$14,875.66
Total buyer cash needed$150,221.14
Remaining funds due$150,221.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.00
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)$1,058.50
Prepaid interest, first (24 days)$1,793.16
Fees + prepaids$14,875.66
Your down payment is the seller’s equity. You take over the $419,555 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $150,221.14 is due at closing. Uses and sources reconcile at $569,775.66 each. Not a Closing Disclosure.