Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$140,317Cash toward the purchase price.
Closing costs + prepaids$14,897Not just lender fees.
Before credits & paid funds$155,213The complete starting cash picture.
Estimated remaining funds due at closing
$155,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,316.54
Your down payment$140,316.54
Closing costs + prepaids$14,896.54
Total buyer cash needed$155,213.07
Remaining funds due$155,213.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,350.00
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)$1,102.50
Prepaid interest, first (25 days)$969.04
Fees + prepaids$14,896.54
Your down payment is the seller’s equity. You take over the $494,683 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $155,213.07 is due at closing. Uses and sources reconcile at $649,896.54 each. Not a Closing Disclosure.