Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,430Cash toward the purchase price.
Closing costs + prepaids$17,300Not just lender fees.
Before credits & paid funds$160,730The complete starting cash picture.
Estimated remaining funds due at closing
$160,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,429.77
Your down payment$143,429.77
Closing costs + prepaids$17,300.31
Total buyer cash needed$160,730.08
Remaining funds due$160,730.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$1,691.25
Prepaid interest, first (26 days)$2,385.06
Fees + prepaids$17,300.31
Your down payment is the seller’s equity. You take over the $531,470 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $160,730.08 is due at closing. Uses and sources reconcile at $692,200.31 each. Not a Closing Disclosure.