Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,842Cash toward the purchase price.
Closing costs + prepaids$15,590Not just lender fees.
Before credits & paid funds$147,432The complete starting cash picture.
Estimated remaining funds due at closing
$147,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,841.58
Your down payment$131,841.58
Closing costs + prepaids$15,590.07
Total buyer cash needed$147,431.65
Remaining funds due$147,431.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$663.25
Prepaid interest, first (31 days)$2,501.82
Fees + prepaids$15,590.07
Your down payment is the seller’s equity. You take over the $463,158 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $147,431.65 is due at closing. Uses and sources reconcile at $610,590.07 each. Not a Closing Disclosure.