Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$149,726Cash toward the purchase price.
Closing costs + prepaids$14,968Not just lender fees.
Before credits & paid funds$164,694The complete starting cash picture.
Estimated remaining funds due at closing
$164,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,726.05
Your down payment$149,726.05
Closing costs + prepaids$14,968.13
Total buyer cash needed$164,694.19
Remaining funds due$164,694.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$781.25
Prepaid interest, first (17 days)$1,462.88
Fees + prepaids$14,968.13
Your down payment is the seller’s equity. You take over the $475,174 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $164,694.19 is due at closing. Uses and sources reconcile at $639,868.13 each. Not a Closing Disclosure.