Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$125,791Cash toward the purchase price.
Closing costs + prepaids$16,393Not just lender fees.
Before credits & paid funds$142,184The complete starting cash picture.
Estimated remaining funds due at closing
$142,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,791.33
Your down payment$125,791.33
Closing costs + prepaids$16,392.70
Total buyer cash needed$142,184.03
Remaining funds due$142,184.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$473.25
Prepaid interest, first (23 days)$2,695.45
Fees + prepaids$16,392.70
Your down payment is the seller’s equity. You take over the $549,109 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $142,184.03 is due at closing. Uses and sources reconcile at $691,292.70 each. Not a Closing Disclosure.