Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$139,358Cash toward the purchase price.
Closing costs + prepaids$14,792Not just lender fees.
Before credits & paid funds$154,150The complete starting cash picture.
Estimated remaining funds due at closing
$154,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,357.50
Your down payment$139,357.50
Closing costs + prepaids$14,792.22
Total buyer cash needed$154,149.73
Remaining funds due$154,149.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.90
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)$809.50
Prepaid interest, first (27 days)$2,007.82
Fees + prepaids$14,792.22
Your down payment is the seller’s equity. You take over the $410,632 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $154,149.73 is due at closing. Uses and sources reconcile at $564,782.22 each. Not a Closing Disclosure.