Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$149,840Cash toward the purchase price.
Closing costs + prepaids$14,287Not just lender fees.
Before credits & paid funds$164,127The complete starting cash picture.
Estimated remaining funds due at closing
$164,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,840.28
Your down payment$149,840.28
Closing costs + prepaids$14,286.73
Total buyer cash needed$164,127.01
Remaining funds due$164,127.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,372.50
Prepaid interest, first (31 days)$949.23
Fees + prepaids$14,286.73
Your down payment is the seller’s equity. You take over the $399,160 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $164,127.01 is due at closing. Uses and sources reconcile at $563,286.73 each. Not a Closing Disclosure.