Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$165,377Cash toward the purchase price.
Closing costs + prepaids$15,457Not just lender fees.
Before credits & paid funds$180,834The complete starting cash picture.
Estimated remaining funds due at closing
$180,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,377.17
Your down payment$165,377.17
Closing costs + prepaids$15,457.04
Total buyer cash needed$180,834.21
Remaining funds due$180,834.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Prepaid interest, first (27 days)$1,994.54
Fees + prepaids$15,457.04
Your down payment is the seller’s equity. You take over the $393,623 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $180,834.21 is due at closing. Uses and sources reconcile at $574,457.04 each. Not a Closing Disclosure.