Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,481Cash toward the purchase price.
Closing costs + prepaids$15,570Not just lender fees.
Before credits & paid funds$162,050The complete starting cash picture.
Estimated remaining funds due at closing
$162,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,480.84
Your down payment$146,480.84
Closing costs + prepaids$15,569.56
Total buyer cash needed$162,050.40
Remaining funds due$162,050.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,172.50
Prepaid interest, first (31 days)$2,232.06
Fees + prepaids$15,569.56
Your down payment is the seller’s equity. You take over the $422,519 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $162,050.40 is due at closing. Uses and sources reconcile at $584,569.56 each. Not a Closing Disclosure.