Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$123,526Cash toward the purchase price.
Closing costs + prepaids$17,796Not just lender fees.
Before credits & paid funds$141,322The complete starting cash picture.
Estimated remaining funds due at closing
$141,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,525.63
Your down payment$123,525.63
Closing costs + prepaids$17,795.91
Total buyer cash needed$141,321.53
Remaining funds due$141,321.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,390.00
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)$1,597.50
Initial HOA (3 months)$858.00
Prepaid interest, first (28 days)$2,475.41
Fees + prepaids$17,795.91
Your down payment is the seller’s equity. You take over the $515,474 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $141,321.53 is due at closing. Uses and sources reconcile at $656,795.91 each. Not a Closing Disclosure.