Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$144,065Cash toward the purchase price.
Closing costs + prepaids$16,419Not just lender fees.
Before credits & paid funds$160,483The complete starting cash picture.
Estimated remaining funds due at closing
$160,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,064.59
Your down payment$144,064.59
Closing costs + prepaids$16,418.88
Total buyer cash needed$160,483.47
Remaining funds due$160,483.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.99
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)$1,486.50
Initial HOA (3 months)$314.01
Prepaid interest, first (24 days)$1,943.38
Fees + prepaids$16,418.88
Your down payment is the seller’s equity. You take over the $475,934 balance, so the rest of the $619,999 price is paid at closing. A second mortgage can cover part of it. $160,483.47 is due at closing. Uses and sources reconcile at $636,417.88 each. Not a Closing Disclosure.