Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$121,634Cash toward the purchase price.
Closing costs + prepaids$15,130Not just lender fees.
Before credits & paid funds$136,765The complete starting cash picture.
Estimated remaining funds due at closing
$136,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,634.16
Your down payment$121,634.16
Closing costs + prepaids$15,130.38
Total buyer cash needed$136,764.54
Remaining funds due$136,764.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,309.99
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)$1,327.50
Prepaid interest, first (26 days)$2,017.89
Fees + prepaids$15,130.38
Your down payment is the seller’s equity. You take over the $409,365 balance, so the rest of the $530,999 price is paid at closing. A second mortgage can cover part of it. $136,764.54 is due at closing. Uses and sources reconcile at $546,129.38 each. Not a Closing Disclosure.