Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$112,900Cash toward the purchase price.
Closing costs + prepaids$15,288Not just lender fees.
Before credits & paid funds$128,189The complete starting cash picture.
Estimated remaining funds due at closing
$128,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,900.33
Your down payment$112,900.33
Closing costs + prepaids$15,288.33
Total buyer cash needed$128,188.66
Remaining funds due$128,188.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$812.50
Prepaid interest, first (16 days)$1,501.83
Fees + prepaids$15,288.33
Your down payment is the seller’s equity. You take over the $537,000 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $128,188.66 is due at closing. Uses and sources reconcile at $665,188.33 each. Not a Closing Disclosure.