Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$134,633Cash toward the purchase price.
Closing costs + prepaids$15,624Not just lender fees.
Before credits & paid funds$150,257The complete starting cash picture.
Estimated remaining funds due at closing
$150,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,632.76
Your down payment$134,632.76
Closing costs + prepaids$15,623.78
Total buyer cash needed$150,256.54
Remaining funds due$150,256.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (18 days)$1,523.78
Fees + prepaids$15,623.78
Your down payment is the seller’s equity. You take over the $475,367 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $150,256.54 is due at closing. Uses and sources reconcile at $625,623.78 each. Not a Closing Disclosure.