Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$150,859Cash toward the purchase price.
Closing costs + prepaids$13,750Not just lender fees.
Before credits & paid funds$164,608The complete starting cash picture.
Estimated remaining funds due at closing
$164,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,858.63
Your down payment$150,858.63
Closing costs + prepaids$13,749.73
Total buyer cash needed$164,608.37
Remaining funds due$164,608.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,649.00
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)$530.25
Prepaid interest, first (1 days)$95.48
Fees + prepaids$13,749.73
Your down payment is the seller’s equity. You take over the $514,041 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $164,608.37 is due at closing. Uses and sources reconcile at $678,649.73 each. Not a Closing Disclosure.