Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$167,665Cash toward the purchase price.
Closing costs + prepaids$14,975Not just lender fees.
Before credits & paid funds$182,641The complete starting cash picture.
Estimated remaining funds due at closing
$182,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,665.22
Your down payment$167,665.22
Closing costs + prepaids$14,975.30
Total buyer cash needed$182,640.51
Remaining funds due$182,640.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$236.50
Prepaid interest, first (31 days)$2,413.80
Fees + prepaids$14,975.30
Your down payment is the seller’s equity. You take over the $417,335 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $182,640.51 is due at closing. Uses and sources reconcile at $599,975.30 each. Not a Closing Disclosure.