Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$153,556Cash toward the purchase price.
Closing costs + prepaids$13,587Not just lender fees.
Before credits & paid funds$167,143The complete starting cash picture.
Estimated remaining funds due at closing
$167,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,555.96
Your down payment$153,555.96
Closing costs + prepaids$13,586.84
Total buyer cash needed$167,142.80
Remaining funds due$167,142.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,208.50
Prepaid interest, first (2 days)$153.34
Fees + prepaids$13,586.84
Your down payment is the seller’s equity. You take over the $421,444 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $167,142.80 is due at closing. Uses and sources reconcile at $588,586.84 each. Not a Closing Disclosure.