Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$138,321Cash toward the purchase price.
Closing costs + prepaids$15,052Not just lender fees.
Before credits & paid funds$153,373The complete starting cash picture.
Estimated remaining funds due at closing
$153,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,321.06
Your down payment$138,321.06
Closing costs + prepaids$15,052.41
Total buyer cash needed$153,373.47
Remaining funds due$153,373.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$891.25
Prepaid interest, first (22 days)$1,836.16
Fees + prepaids$15,052.41
Your down payment is the seller’s equity. You take over the $446,679 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $153,373.47 is due at closing. Uses and sources reconcile at $600,052.41 each. Not a Closing Disclosure.