Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$146,903Cash toward the purchase price.
Closing costs + prepaids$14,043Not just lender fees.
Before credits & paid funds$160,946The complete starting cash picture.
Estimated remaining funds due at closing
$160,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,903.17
Your down payment$146,903.17
Closing costs + prepaids$14,043.08
Total buyer cash needed$160,946.25
Remaining funds due$160,946.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,600.00
Prepaid interest, first (26 days)$818.08
Fees + prepaids$14,043.08
Your down payment is the seller’s equity. You take over the $368,097 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $160,946.25 is due at closing. Uses and sources reconcile at $529,043.08 each. Not a Closing Disclosure.