Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$142,980Cash toward the purchase price.
Closing costs + prepaids$13,338Not just lender fees.
Before credits & paid funds$156,318The complete starting cash picture.
Estimated remaining funds due at closing
$156,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,979.69
Your down payment$142,979.69
Closing costs + prepaids$13,338.14
Total buyer cash needed$156,317.83
Remaining funds due$156,317.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,449.99
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)$323.75
Prepaid interest, first (1 days)$89.40
Fees + prepaids$13,338.14
Your down payment is the seller’s equity. You take over the $502,019 balance, so the rest of the $644,999 price is paid at closing. A second mortgage can cover part of it. $156,317.83 is due at closing. Uses and sources reconcile at $658,337.14 each. Not a Closing Disclosure.