Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$147,388Cash toward the purchase price.
Closing costs + prepaids$16,382Not just lender fees.
Before credits & paid funds$163,770The complete starting cash picture.
Estimated remaining funds due at closing
$163,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,388.05
Your down payment$147,388.05
Closing costs + prepaids$16,382.36
Total buyer cash needed$163,770.42
Remaining funds due$163,770.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,779.00
Initial HOA (3 months)$132.00
Prepaid interest, first (29 days)$2,196.36
Fees + prepaids$16,382.36
Your down payment is the seller’s equity. You take over the $432,612 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $163,770.42 is due at closing. Uses and sources reconcile at $596,382.36 each. Not a Closing Disclosure.