Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$140,685Cash toward the purchase price.
Closing costs + prepaids$15,294Not just lender fees.
Before credits & paid funds$155,979The complete starting cash picture.
Estimated remaining funds due at closing
$155,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,685.27
Your down payment$140,685.27
Closing costs + prepaids$15,293.62
Total buyer cash needed$155,978.90
Remaining funds due$155,978.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,879.99
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)$2,404.00
Initial HOA (3 months)$366.00
Prepaid interest, first (2 days)$168.63
Fees + prepaids$15,293.62
Your down payment is the seller’s equity. You take over the $447,314 balance, so the rest of the $587,999 price is paid at closing. A second mortgage can cover part of it. $155,978.90 is due at closing. Uses and sources reconcile at $603,292.62 each. Not a Closing Disclosure.