Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$120,457Cash toward the purchase price.
Closing costs + prepaids$16,401Not just lender fees.
Before credits & paid funds$136,858The complete starting cash picture.
Estimated remaining funds due at closing
$136,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,457.26
Your down payment$120,457.26
Closing costs + prepaids$16,400.62
Total buyer cash needed$136,857.88
Remaining funds due$136,857.88
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)$1,095.00
Initial HOA (3 months)$264.00
Prepaid interest, first (26 days)$2,416.62
Fees + prepaids$16,400.62
Your down payment is the seller’s equity. You take over the $494,543 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $136,857.88 is due at closing. Uses and sources reconcile at $631,400.62 each. Not a Closing Disclosure.