Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$151,676Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$166,295The complete starting cash picture.
Estimated remaining funds due at closing
$166,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,675.84
Your down payment$151,675.84
Closing costs + prepaids$14,618.72
Total buyer cash needed$166,294.56
Remaining funds due$166,294.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$2,159.50
Initial HOA (3 months)$108.99
Prepaid interest, first (2 days)$85.23
Fees + prepaids$14,618.72
Your down payment is the seller’s equity. You take over the $427,324 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $166,294.56 is due at closing. Uses and sources reconcile at $593,618.72 each. Not a Closing Disclosure.