Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$139,865Cash toward the purchase price.
Closing costs + prepaids$13,867Not just lender fees.
Before credits & paid funds$153,732The complete starting cash picture.
Estimated remaining funds due at closing
$153,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,865.22
Your down payment$139,865.22
Closing costs + prepaids$13,867.07
Total buyer cash needed$153,732.29
Remaining funds due$153,732.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$924.25
Prepaid interest, first (24 days)$1,567.83
Fees + prepaids$13,867.07
Your down payment is the seller’s equity. You take over the $350,134 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $153,732.29 is due at closing. Uses and sources reconcile at $503,866.07 each. Not a Closing Disclosure.