Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,193Cash toward the purchase price.
Closing costs + prepaids$17,014Not just lender fees.
Before credits & paid funds$161,207The complete starting cash picture.
Estimated remaining funds due at closing
$161,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,192.93
Your down payment$144,192.93
Closing costs + prepaids$17,013.88
Total buyer cash needed$161,206.81
Remaining funds due$161,206.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$910.00
Prepaid interest, first (26 days)$2,628.89
Fees + prepaids$17,013.88
Your down payment is the seller’s equity. You take over the $555,806 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $161,206.81 is due at closing. Uses and sources reconcile at $717,012.88 each. Not a Closing Disclosure.