Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$118,502Cash toward the purchase price.
Closing costs + prepaids$14,696Not just lender fees.
Before credits & paid funds$133,197The complete starting cash picture.
Estimated remaining funds due at closing
$133,197No 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$14,695.59
Total buyer cash needed$133,197.38
Remaining funds due$133,197.38
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)$323.75
Prepaid interest, first (19 days)$1,696.85
Fees + prepaids$14,695.59
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. $133,197.38 is due at closing. Uses and sources reconcile at $634,694.59 each. Not a Closing Disclosure.