Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,199Cash toward the purchase price.
Closing costs + prepaids$15,496Not just lender fees.
Before credits & paid funds$139,695The complete starting cash picture.
Estimated remaining funds due at closing
$139,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,199.01
Your down payment$124,199.01
Closing costs + prepaids$15,495.79
Total buyer cash needed$139,694.80
Remaining funds due$139,694.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,099.00
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)$451.50
Prepaid interest, first (28 days)$2,470.29
Fees + prepaids$15,495.79
Your down payment is the seller’s equity. You take over the $485,701 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $139,694.80 is due at closing. Uses and sources reconcile at $625,395.79 each. Not a Closing Disclosure.