Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$118,502Cash toward the purchase price.
Closing costs + prepaids$14,223Not just lender fees.
Before credits & paid funds$132,725The complete starting cash picture.
Estimated remaining funds due at closing
$132,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,501.79
Your down payment$118,501.79
Closing costs + prepaids$14,222.76
Total buyer cash needed$132,724.55
Remaining funds due$132,724.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.99
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)$744.00
Prepaid interest, first (9 days)$803.77
Fees + prepaids$14,222.76
Your down payment is the seller’s equity. You take over the $501,497 balance, so the rest of the $619,999 price is paid at closing. A second mortgage can cover part of it. $132,724.55 is due at closing. Uses and sources reconcile at $634,221.76 each. Not a Closing Disclosure.