Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,277Cash toward the purchase price.
Closing costs + prepaids$14,593Not just lender fees.
Before credits & paid funds$161,870The complete starting cash picture.
Estimated remaining funds due at closing
$161,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,277.25
Your down payment$147,277.25
Closing costs + prepaids$14,592.71
Total buyer cash needed$161,869.96
Remaining funds due$161,869.96
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)$1,437.50
Prepaid interest, first (27 days)$930.21
Fees + prepaids$14,592.71
Your down payment is the seller’s equity. You take over the $427,723 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $161,869.96 is due at closing. Uses and sources reconcile at $589,592.71 each. Not a Closing Disclosure.