Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$133,117Cash toward the purchase price.
Closing costs + prepaids$16,124Not just lender fees.
Before credits & paid funds$149,241The complete starting cash picture.
Estimated remaining funds due at closing
$149,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,116.52
Your down payment$133,116.52
Closing costs + prepaids$16,124.02
Total buyer cash needed$149,240.54
Remaining funds due$149,240.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$1,549.75
Initial HOA (3 months)$792.00
Prepaid interest, first (30 days)$1,108.27
Fees + prepaids$16,124.02
Your down payment is the seller’s equity. You take over the $486,783 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $149,240.54 is due at closing. Uses and sources reconcile at $636,024.02 each. Not a Closing Disclosure.