Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$123,379Cash toward the purchase price.
Closing costs + prepaids$15,866Not just lender fees.
Before credits & paid funds$139,245The complete starting cash picture.
Estimated remaining funds due at closing
$139,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,379.20
Your down payment$123,379.20
Closing costs + prepaids$15,865.96
Total buyer cash needed$139,245.17
Remaining funds due$139,245.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$896.25
Prepaid interest, first (24 days)$2,245.71
Fees + prepaids$15,865.96
Your down payment is the seller’s equity. You take over the $501,521 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $139,245.17 is due at closing. Uses and sources reconcile at $640,765.96 each. Not a Closing Disclosure.