Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,447Cash toward the purchase price.
Closing costs + prepaids$16,173Not just lender fees.
Before credits & paid funds$138,620The complete starting cash picture.
Estimated remaining funds due at closing
$138,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,446.55
Your down payment$122,446.55
Closing costs + prepaids$16,173.11
Total buyer cash needed$138,619.66
Remaining funds due$138,619.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,867.00
Initial HOA (3 months)$351.00
Prepaid interest, first (28 days)$1,380.11
Fees + prepaids$16,173.11
Your down payment is the seller’s equity. You take over the $487,553 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $138,619.66 is due at closing. Uses and sources reconcile at $626,173.11 each. Not a Closing Disclosure.