Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$135,348Cash toward the purchase price.
Closing costs + prepaids$14,532Not just lender fees.
Before credits & paid funds$149,880The complete starting cash picture.
Estimated remaining funds due at closing
$149,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,347.64
Your down payment$135,347.64
Closing costs + prepaids$14,532.23
Total buyer cash needed$149,879.86
Remaining funds due$149,879.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,033.00
Prepaid interest, first (24 days)$1,734.23
Fees + prepaids$14,532.23
Your down payment is the seller’s equity. You take over the $393,652 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $149,879.86 is due at closing. Uses and sources reconcile at $543,532.23 each. Not a Closing Disclosure.