Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$134,771Cash toward the purchase price.
Closing costs + prepaids$14,645Not just lender fees.
Before credits & paid funds$149,416The complete starting cash picture.
Estimated remaining funds due at closing
$149,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,771.03
Your down payment$134,771.03
Closing costs + prepaids$14,645.08
Total buyer cash needed$149,416.11
Remaining funds due$149,416.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.99
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)$810.00
Prepaid interest, first (6 days)$610.09
Fees + prepaids$14,645.08
Your down payment is the seller’s equity. You take over the $540,228 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $149,416.11 is due at closing. Uses and sources reconcile at $689,644.08 each. Not a Closing Disclosure.