Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$155,580Cash toward the purchase price.
Closing costs + prepaids$13,096Not just lender fees.
Before credits & paid funds$168,677The complete starting cash picture.
Estimated remaining funds due at closing
$168,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,580.36
Your down payment$155,580.36
Closing costs + prepaids$13,096.33
Total buyer cash needed$168,676.69
Remaining funds due$168,676.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$510.25
Prepaid interest, first (2 days)$161.08
Fees + prepaids$13,096.33
Your down payment is the seller’s equity. You take over the $439,420 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $168,676.69 is due at closing. Uses and sources reconcile at $608,096.33 each. Not a Closing Disclosure.