Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$116,569Cash toward the purchase price.
Closing costs + prepaids$18,458Not just lender fees.
Before credits & paid funds$135,027The complete starting cash picture.
Estimated remaining funds due at closing
$135,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,569.49
Your down payment$116,569.49
Closing costs + prepaids$18,457.85
Total buyer cash needed$135,027.34
Remaining funds due$135,027.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,787.50
Prepaid interest, first (28 days)$2,295.35
Fees + prepaids$18,457.85
Your down payment is the seller’s equity. You take over the $598,431 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $135,027.34 is due at closing. Uses and sources reconcile at $733,457.85 each. Not a Closing Disclosure.