Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$123,622Cash toward the purchase price.
Closing costs + prepaids$14,663Not just lender fees.
Before credits & paid funds$138,285The complete starting cash picture.
Estimated remaining funds due at closing
$138,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,622.17
Your down payment$123,622.17
Closing costs + prepaids$14,663.31
Total buyer cash needed$138,285.47
Remaining funds due$138,285.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$768.00
Prepaid interest, first (12 days)$1,020.31
Fees + prepaids$14,663.31
Your down payment is the seller’s equity. You take over the $516,378 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $138,285.47 is due at closing. Uses and sources reconcile at $654,663.31 each. Not a Closing Disclosure.