Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$137,434Cash toward the purchase price.
Closing costs + prepaids$15,081Not just lender fees.
Before credits & paid funds$152,515The complete starting cash picture.
Estimated remaining funds due at closing
$152,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,433.75
Your down payment$137,433.75
Closing costs + prepaids$15,081.29
Total buyer cash needed$152,515.04
Remaining funds due$152,515.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$1,017.25
Prepaid interest, first (30 days)$2,140.04
Fees + prepaids$15,081.29
Your down payment is the seller’s equity. You take over the $407,466 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $152,515.04 is due at closing. Uses and sources reconcile at $559,981.29 each. Not a Closing Disclosure.