Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$123,622Cash toward the purchase price.
Closing costs + prepaids$14,153Not just lender fees.
Before credits & paid funds$137,775The complete starting cash picture.
Estimated remaining funds due at closing
$137,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,622.17
Your down payment$123,622.17
Closing costs + prepaids$14,153.15
Total buyer cash needed$137,775.32
Remaining funds due$137,775.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$768.00
Prepaid interest, first (6 days)$510.15
Fees + prepaids$14,153.15
Your down payment is the seller’s equity. You take over the $516,378 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $137,775.32 is due at closing. Uses and sources reconcile at $654,153.15 each. Not a Closing Disclosure.