Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$148,429Cash toward the purchase price.
Closing costs + prepaids$17,561Not just lender fees.
Before credits & paid funds$165,990The complete starting cash picture.
Estimated remaining funds due at closing
$165,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,428.68
Your down payment$148,428.68
Closing costs + prepaids$17,560.85
Total buyer cash needed$165,989.53
Remaining funds due$165,989.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,375.00
Initial HOA (3 months)$2,070.00
Prepaid interest, first (29 days)$2,140.86
Fees + prepaids$17,560.85
Your down payment is the seller’s equity. You take over the $401,570 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $165,989.53 is due at closing. Uses and sources reconcile at $567,559.85 each. Not a Closing Disclosure.