Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$131,842Cash toward the purchase price.
Closing costs + prepaids$14,944Not just lender fees.
Before credits & paid funds$146,786The complete starting cash picture.
Estimated remaining funds due at closing
$146,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,841.58
Your down payment$131,841.58
Closing costs + prepaids$14,944.44
Total buyer cash needed$146,786.02
Remaining funds due$146,786.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$663.25
Prepaid interest, first (23 days)$1,856.19
Fees + prepaids$14,944.44
Your down payment is the seller’s equity. You take over the $463,158 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $146,786.02 is due at closing. Uses and sources reconcile at $609,944.44 each. Not a Closing Disclosure.