Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$161,413Cash toward the purchase price.
Closing costs + prepaids$16,116Not just lender fees.
Before credits & paid funds$177,529The complete starting cash picture.
Estimated remaining funds due at closing
$177,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,412.93
Your down payment$161,412.93
Closing costs + prepaids$16,115.83
Total buyer cash needed$177,528.76
Remaining funds due$177,528.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,451.25
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$1,964.57
Fees + prepaids$16,115.83
Your down payment is the seller’s equity. You take over the $448,587 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $177,528.76 is due at closing. Uses and sources reconcile at $626,115.83 each. Not a Closing Disclosure.