Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,156Cash toward the purchase price.
Closing costs + prepaids$14,124Not just lender fees.
Before credits & paid funds$162,281The complete starting cash picture.
Estimated remaining funds due at closing
$162,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,156.38
Your down payment$148,156.38
Closing costs + prepaids$14,124.17
Total buyer cash needed$162,280.55
Remaining funds due$162,280.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$1,377.25
Initial HOA (3 months)$111.00
Prepaid interest, first (2 days)$160.93
Fees + prepaids$14,124.17
Your down payment is the seller’s equity. You take over the $451,843 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $162,280.55 is due at closing. Uses and sources reconcile at $614,123.17 each. Not a Closing Disclosure.