Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$124,501Cash toward the purchase price.
Closing costs + prepaids$17,235Not just lender fees.
Before credits & paid funds$141,736The complete starting cash picture.
Estimated remaining funds due at closing
$141,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,501.13
Your down payment$124,501.13
Closing costs + prepaids$17,234.64
Total buyer cash needed$141,735.77
Remaining funds due$141,735.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,299.26
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)$1,574.75
Initial HOA (3 months)$1,674.00
Prepaid interest, first (25 days)$1,211.63
Fees + prepaids$17,234.64
Your down payment is the seller’s equity. You take over the $505,425 balance, so the rest of the $629,926 price is paid at closing. A second mortgage can cover part of it. $141,735.77 is due at closing. Uses and sources reconcile at $647,160.64 each. Not a Closing Disclosure.