Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$140,583Cash toward the purchase price.
Closing costs + prepaids$14,491Not just lender fees.
Before credits & paid funds$155,074The complete starting cash picture.
Estimated remaining funds due at closing
$155,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,583.41
Your down payment$140,583.41
Closing costs + prepaids$14,490.86
Total buyer cash needed$155,074.28
Remaining funds due$155,074.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,949.00
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)$448.75
Prepaid interest, first (20 days)$1,618.11
Fees + prepaids$14,490.86
Your down payment is the seller’s equity. You take over the $454,317 balance, so the rest of the $594,900 price is paid at closing. A second mortgage can cover part of it. $155,074.28 is due at closing. Uses and sources reconcile at $609,390.86 each. Not a Closing Disclosure.