Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$143,514Cash toward the purchase price.
Closing costs + prepaids$15,435Not just lender fees.
Before credits & paid funds$158,950The complete starting cash picture.
Estimated remaining funds due at closing
$158,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,514.48
Your down payment$143,514.48
Closing costs + prepaids$15,435.22
Total buyer cash needed$158,949.69
Remaining funds due$158,949.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.99
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)$561.25
Initial HOA (3 months)$69.00
Prepaid interest, first (29 days)$2,429.98
Fees + prepaids$15,435.22
Your down payment is the seller’s equity. You take over the $446,485 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $158,949.69 is due at closing. Uses and sources reconcile at $605,434.22 each. Not a Closing Disclosure.