Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,256Cash toward the purchase price.
Closing costs + prepaids$14,373Not just lender fees.
Before credits & paid funds$172,629The complete starting cash picture.
Estimated remaining funds due at closing
$172,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,255.98
Your down payment$158,255.98
Closing costs + prepaids$14,373.24
Total buyer cash needed$172,629.22
Remaining funds due$172,629.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,082.75
Initial HOA (3 months)$261.00
Prepaid interest, first (26 days)$804.49
Fees + prepaids$14,373.24
Your down payment is the seller’s equity. You take over the $416,744 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $172,629.22 is due at closing. Uses and sources reconcile at $589,373.24 each. Not a Closing Disclosure.