Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,444Cash toward the purchase price.
Closing costs + prepaids$15,603Not just lender fees.
Before credits & paid funds$164,048The complete starting cash picture.
Estimated remaining funds due at closing
$164,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,444.30
Your down payment$148,444.30
Closing costs + prepaids$15,603.49
Total buyer cash needed$164,047.79
Remaining funds due$164,047.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,341.50
Prepaid interest, first (26 days)$2,086.99
Fees + prepaids$15,603.49
Your down payment is the seller’s equity. You take over the $421,556 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $164,047.79 is due at closing. Uses and sources reconcile at $585,603.49 each. Not a Closing Disclosure.