Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$140,583Cash toward the purchase price.
Closing costs + prepaids$14,410Not just lender fees.
Before credits & paid funds$154,993The complete starting cash picture.
Estimated remaining funds due at closing
$154,993No 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$14,409.96
Total buyer cash needed$154,993.37
Remaining funds due$154,993.37
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 (19 days)$1,537.21
Fees + prepaids$14,409.96
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. $154,993.37 is due at closing. Uses and sources reconcile at $609,309.96 each. Not a Closing Disclosure.