Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$142,574Cash toward the purchase price.
Closing costs + prepaids$16,388Not just lender fees.
Before credits & paid funds$158,962The complete starting cash picture.
Estimated remaining funds due at closing
$158,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,574.30
Your down payment$142,574.30
Closing costs + prepaids$16,387.73
Total buyer cash needed$158,962.03
Remaining funds due$158,962.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,540.00
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)$1,635.00
Prepaid interest, first (18 days)$1,737.73
Fees + prepaids$16,387.73
Your down payment is the seller’s equity. You take over the $511,426 balance, so the rest of the $654,000 price is paid at closing. A second mortgage can cover part of it. $158,962.03 is due at closing. Uses and sources reconcile at $670,387.73 each. Not a Closing Disclosure.