Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$124,450Cash toward the purchase price.
Closing costs + prepaids$16,946Not just lender fees.
Before credits & paid funds$141,396The complete starting cash picture.
Estimated remaining funds due at closing
$141,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,450.11
Your down payment$124,450.11
Closing costs + prepaids$16,946.33
Total buyer cash needed$141,396.44
Remaining funds due$141,396.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,399.99
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)$1,600.00
Initial HOA (3 months)$234.00
Prepaid interest, first (24 days)$2,237.34
Fees + prepaids$16,946.33
Your down payment is the seller’s equity. You take over the $515,549 balance, so the rest of the $639,999 price is paid at closing. A second mortgage can cover part of it. $141,396.44 is due at closing. Uses and sources reconcile at $656,945.33 each. Not a Closing Disclosure.