Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$133,503Cash toward the purchase price.
Closing costs + prepaids$15,560Not just lender fees.
Before credits & paid funds$149,063The complete starting cash picture.
Estimated remaining funds due at closing
$149,063No 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$15,560.06
Total buyer cash needed$149,062.85
Remaining funds due$149,062.85
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 (27 days)$2,411.31
Fees + prepaids$15,560.06
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. $149,062.85 is due at closing. Uses and sources reconcile at $650,560.06 each. Not a Closing Disclosure.