Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$132,001Cash toward the purchase price.
Closing costs + prepaids$17,388Not just lender fees.
Before credits & paid funds$149,389The complete starting cash picture.
Estimated remaining funds due at closing
$149,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,001.23
Your down payment$132,001.23
Closing costs + prepaids$17,388.18
Total buyer cash needed$149,389.41
Remaining funds due$149,389.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$1,675.00
Prepaid interest, first (28 days)$2,538.18
Fees + prepaids$17,388.18
Your down payment is the seller’s equity. You take over the $537,999 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $149,389.41 is due at closing. Uses and sources reconcile at $687,388.18 each. Not a Closing Disclosure.