Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$137,434Cash toward the purchase price.
Closing costs + prepaids$14,511Not just lender fees.
Before credits & paid funds$151,944The complete starting cash picture.
Estimated remaining funds due at closing
$151,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,433.75
Your down payment$137,433.75
Closing costs + prepaids$14,510.61
Total buyer cash needed$151,944.36
Remaining funds due$151,944.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$1,017.25
Prepaid interest, first (22 days)$1,569.36
Fees + prepaids$14,510.61
Your down payment is the seller’s equity. You take over the $407,466 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $151,944.36 is due at closing. Uses and sources reconcile at $559,410.61 each. Not a Closing Disclosure.