Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$147,388Cash toward the purchase price.
Closing costs + prepaids$15,549Not just lender fees.
Before credits & paid funds$162,937The complete starting cash picture.
Estimated remaining funds due at closing
$162,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,388.05
Your down payment$147,388.05
Closing costs + prepaids$15,549.26
Total buyer cash needed$162,937.31
Remaining funds due$162,937.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,779.00
Initial HOA (3 months)$132.00
Prepaid interest, first (18 days)$1,363.26
Fees + prepaids$15,549.26
Your down payment is the seller’s equity. You take over the $432,612 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $162,937.31 is due at closing. Uses and sources reconcile at $595,549.26 each. Not a Closing Disclosure.