Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$158,222Cash toward the purchase price.
Closing costs + prepaids$14,893Not just lender fees.
Before credits & paid funds$173,114The complete starting cash picture.
Estimated remaining funds due at closing
$173,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,221.66
Your down payment$158,221.66
Closing costs + prepaids$14,892.83
Total buyer cash needed$173,114.49
Remaining funds due$173,114.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.99
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)$902.00
Initial HOA (3 months)$153.00
Prepaid interest, first (18 days)$1,462.84
Fees + prepaids$14,892.83
Your down payment is the seller’s equity. You take over the $431,777 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $173,114.49 is due at closing. Uses and sources reconcile at $604,891.83 each. Not a Closing Disclosure.