Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$124,584Cash toward the purchase price.
Closing costs + prepaids$13,381Not just lender fees.
Before credits & paid funds$137,965The complete starting cash picture.
Estimated remaining funds due at closing
$137,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,583.87
Your down payment$124,583.87
Closing costs + prepaids$13,380.97
Total buyer cash needed$137,964.84
Remaining funds due$137,964.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$513.75
Prepaid interest, first (1 days)$92.22
Fees + prepaids$13,380.97
Your down payment is the seller’s equity. You take over the $505,416 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $137,964.84 is due at closing. Uses and sources reconcile at $643,380.97 each. Not a Closing Disclosure.