Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$160,865Cash toward the purchase price.
Closing costs + prepaids$14,052Not just lender fees.
Before credits & paid funds$174,917The complete starting cash picture.
Estimated remaining funds due at closing
$174,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,864.57
Your down payment$160,864.57
Closing costs + prepaids$14,051.97
Total buyer cash needed$174,916.54
Remaining funds due$174,916.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$712.50
Prepaid interest, first (16 days)$1,165.47
Fees + prepaids$14,051.97
Your down payment is the seller’s equity. You take over the $409,035 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $174,916.54 is due at closing. Uses and sources reconcile at $583,951.97 each. Not a Closing Disclosure.