Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$120,797Cash toward the purchase price.
Closing costs + prepaids$16,463Not just lender fees.
Before credits & paid funds$137,260The complete starting cash picture.
Estimated remaining funds due at closing
$137,260No 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$16,463.25
Total buyer cash needed$137,259.87
Remaining funds due$137,259.87
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 (26 days)$2,481.11
Fees + prepaids$16,463.25
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. $137,259.87 is due at closing. Uses and sources reconcile at $656,351.25 each. Not a Closing Disclosure.