Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,510Cash toward the purchase price.
Closing costs + prepaids$14,996Not just lender fees.
Before credits & paid funds$163,507The complete starting cash picture.
Estimated remaining funds due at closing
$163,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,510.31
Your down payment$148,510.31
Closing costs + prepaids$14,996.34
Total buyer cash needed$163,506.65
Remaining funds due$163,506.65
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)$1,487.50
Initial HOA (3 months)$1,008.00
Prepaid interest, first (2 days)$75.84
Fees + prepaids$14,996.34
Your down payment is the seller’s equity. You take over the $446,490 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $163,506.65 is due at closing. Uses and sources reconcile at $609,996.34 each. Not a Closing Disclosure.