Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$146,044Cash toward the purchase price.
Closing costs + prepaids$13,624Not just lender fees.
Before credits & paid funds$159,669The complete starting cash picture.
Estimated remaining funds due at closing
$159,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,044.46
Your down payment$146,044.46
Closing costs + prepaids$13,624.22
Total buyer cash needed$159,668.69
Remaining funds due$159,668.69
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)$690.00
Initial HOA (3 months)$17.49
Prepaid interest, first (9 days)$691.73
Fees + prepaids$13,624.22
Your down payment is the seller’s equity. You take over the $428,956 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $159,668.69 is due at closing. Uses and sources reconcile at $588,624.22 each. Not a Closing Disclosure.