Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$133,503Cash toward the purchase price.
Closing costs + prepaids$15,024Not just lender fees.
Before credits & paid funds$148,527The complete starting cash picture.
Estimated remaining funds due at closing
$148,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,502.79
Your down payment$133,502.79
Closing costs + prepaids$15,024.21
Total buyer cash needed$148,527.00
Remaining funds due$148,527.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,350.00
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)$323.75
Prepaid interest, first (21 days)$1,875.46
Fees + prepaids$15,024.21
Your down payment is the seller’s equity. You take over the $501,497 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $148,527.00 is due at closing. Uses and sources reconcile at $650,024.21 each. Not a Closing Disclosure.