Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$148,868Cash toward the purchase price.
Closing costs + prepaids$15,186Not just lender fees.
Before credits & paid funds$164,054The complete starting cash picture.
Estimated remaining funds due at closing
$164,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,867.83
Your down payment$148,867.83
Closing costs + prepaids$15,186.38
Total buyer cash needed$164,054.21
Remaining funds due$164,054.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,275.00
Initial HOA (3 months)$50.01
Prepaid interest, first (24 days)$1,686.37
Fees + prepaids$15,186.38
Your down payment is the seller’s equity. You take over the $421,132 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $164,054.21 is due at closing. Uses and sources reconcile at $585,186.38 each. Not a Closing Disclosure.