Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$123,908Cash toward the purchase price.
Closing costs + prepaids$14,047Not just lender fees.
Before credits & paid funds$137,955The complete starting cash picture.
Estimated remaining funds due at closing
$137,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,908.48
Your down payment$123,908.48
Closing costs + prepaids$14,046.73
Total buyer cash needed$137,955.21
Remaining funds due$137,955.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.99
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)$495.75
Prepaid interest, first (27 days)$1,625.99
Fees + prepaids$14,046.73
Your down payment is the seller’s equity. You take over the $421,091 balance, so the rest of the $544,999 price is paid at closing. A second mortgage can cover part of it. $137,955.21 is due at closing. Uses and sources reconcile at $559,045.73 each. Not a Closing Disclosure.