Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$143,001Cash toward the purchase price.
Closing costs + prepaids$15,287Not just lender fees.
Before credits & paid funds$158,288The complete starting cash picture.
Estimated remaining funds due at closing
$158,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,000.75
Your down payment$143,000.75
Closing costs + prepaids$15,287.38
Total buyer cash needed$158,288.13
Remaining funds due$158,288.13
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)$419.75
Initial HOA (3 months)$375.00
Prepaid interest, first (18 days)$1,617.63
Fees + prepaids$15,287.38
Your down payment is the seller’s equity. You take over the $496,999 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $158,288.13 is due at closing. Uses and sources reconcile at $655,287.38 each. Not a Closing Disclosure.