Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$131,613Cash toward the purchase price.
Closing costs + prepaids$15,597Not just lender fees.
Before credits & paid funds$147,210The complete starting cash picture.
Estimated remaining funds due at closing
$147,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,612.65
Your down payment$131,612.65
Closing costs + prepaids$15,597.40
Total buyer cash needed$147,210.05
Remaining funds due$147,210.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,150.00
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)$518.25
Prepaid interest, first (29 days)$2,454.15
Fees + prepaids$15,597.40
Your down payment is the seller’s equity. You take over the $483,387 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $147,210.05 is due at closing. Uses and sources reconcile at $630,597.40 each. Not a Closing Disclosure.