Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$121,764Cash toward the purchase price.
Closing costs + prepaids$17,479Not just lender fees.
Before credits & paid funds$139,243The complete starting cash picture.
Estimated remaining funds due at closing
$139,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,763.98
Your down payment$121,763.98
Closing costs + prepaids$17,479.04
Total buyer cash needed$139,243.01
Remaining funds due$139,243.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$1,638.25
Prepaid interest, first (30 days)$2,915.79
Fees + prepaids$17,479.04
Your down payment is the seller’s equity. You take over the $523,236 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $139,243.01 is due at closing. Uses and sources reconcile at $662,479.04 each. Not a Closing Disclosure.