Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$142,362Cash toward the purchase price.
Closing costs + prepaids$13,580Not just lender fees.
Before credits & paid funds$155,942The complete starting cash picture.
Estimated remaining funds due at closing
$155,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,362.09
Your down payment$142,362.09
Closing costs + prepaids$13,580.05
Total buyer cash needed$155,942.14
Remaining funds due$155,942.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$198.00
Prepaid interest, first (24 days)$1,407.15
Fees + prepaids$13,580.05
Your down payment is the seller’s equity. You take over the $407,628 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $155,942.14 is due at closing. Uses and sources reconcile at $563,570.05 each. Not a Closing Disclosure.