Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$155,128Cash toward the purchase price.
Closing costs + prepaids$13,949Not just lender fees.
Before credits & paid funds$169,077The complete starting cash picture.
Estimated remaining funds due at closing
$169,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,128.15
Your down payment$155,128.15
Closing costs + prepaids$13,949.33
Total buyer cash needed$169,077.48
Remaining funds due$169,077.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$34.50
Initial HOA (3 months)$141.00
Prepaid interest, first (26 days)$1,698.93
Fees + prepaids$13,949.33
Your down payment is the seller’s equity. You take over the $404,862 balance, so the rest of the $559,990 price is paid at closing. A second mortgage can cover part of it. $169,077.48 is due at closing. Uses and sources reconcile at $573,939.33 each. Not a Closing Disclosure.