Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$143,045Cash toward the purchase price.
Closing costs + prepaids$16,483Not just lender fees.
Before credits & paid funds$159,527The complete starting cash picture.
Estimated remaining funds due at closing
$159,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,044.89
Your down payment$143,044.89
Closing costs + prepaids$16,482.59
Total buyer cash needed$159,527.48
Remaining funds due$159,527.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$370.75
Prepaid interest, first (20 days)$1,386.85
Fees + prepaids$16,482.59
Your down payment is the seller’s equity. You take over the $606,954 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $159,527.48 is due at closing. Uses and sources reconcile at $766,481.59 each. Not a Closing Disclosure.