Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,112Cash toward the purchase price.
Closing costs + prepaids$14,688Not just lender fees.
Before credits & paid funds$149,800The complete starting cash picture.
Estimated remaining funds due at closing
$149,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,111.58
Your down payment$135,111.58
Closing costs + prepaids$14,688.34
Total buyer cash needed$149,799.92
Remaining funds due$149,799.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,437.50
Prepaid interest, first (28 days)$1,025.84
Fees + prepaids$14,688.34
Your down payment is the seller’s equity. You take over the $439,888 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $149,799.92 is due at closing. Uses and sources reconcile at $589,688.34 each. Not a Closing Disclosure.