Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$120,797Cash toward the purchase price.
Closing costs + prepaids$15,891Not just lender fees.
Before credits & paid funds$136,687The complete starting cash picture.
Estimated remaining funds due at closing
$136,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,796.62
Your down payment$120,796.62
Closing costs + prepaids$15,890.69
Total buyer cash needed$136,687.30
Remaining funds due$136,687.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,398.88
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)$908.25
Initial HOA (3 months)$200.01
Prepaid interest, first (20 days)$1,908.55
Fees + prepaids$15,890.69
Your down payment is the seller’s equity. You take over the $519,091 balance, so the rest of the $639,888 price is paid at closing. A second mortgage can cover part of it. $136,687.30 is due at closing. Uses and sources reconcile at $655,778.69 each. Not a Closing Disclosure.