Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,143Cash toward the purchase price.
Closing costs + prepaids$12,954Not just lender fees.
Before credits & paid funds$153,096The complete starting cash picture.
Estimated remaining funds due at closing
$153,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,142.63
Your down payment$140,142.63
Closing costs + prepaids$12,953.73
Total buyer cash needed$153,096.37
Remaining funds due$153,096.37
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 (1 days)$80.98
Fees + prepaids$12,953.73
Your down payment is the seller’s equity. You take over the $454,757 balance, so the rest of the $594,900 price is paid at closing. A second mortgage can cover part of it. $153,096.37 is due at closing. Uses and sources reconcile at $607,853.73 each. Not a Closing Disclosure.