Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$137,895Cash toward the purchase price.
Closing costs + prepaids$13,654Not just lender fees.
Before credits & paid funds$151,549The complete starting cash picture.
Estimated remaining funds due at closing
$151,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,895.28
Your down payment$137,895.28
Closing costs + prepaids$13,653.90
Total buyer cash needed$151,549.18
Remaining funds due$151,549.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,287.50
Prepaid interest, first (24 days)$741.40
Fees + prepaids$13,653.90
Your down payment is the seller’s equity. You take over the $377,105 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $151,549.18 is due at closing. Uses and sources reconcile at $528,653.90 each. Not a Closing Disclosure.