Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$153,688Cash toward the purchase price.
Closing costs + prepaids$14,911Not just lender fees.
Before credits & paid funds$168,599The complete starting cash picture.
Estimated remaining funds due at closing
$168,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,688.34
Your down payment$153,688.34
Closing costs + prepaids$14,910.84
Total buyer cash needed$168,599.18
Remaining funds due$168,599.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,589.90
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)$313.50
Initial HOA (3 months)$570.00
Prepaid interest, first (30 days)$1,962.44
Fees + prepaids$14,910.84
Your down payment is the seller’s equity. You take over the $405,302 balance, so the rest of the $558,990 price is paid at closing. A second mortgage can cover part of it. $168,599.18 is due at closing. Uses and sources reconcile at $573,900.84 each. Not a Closing Disclosure.