Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,833Cash toward the purchase price.
Closing costs + prepaids$14,861Not just lender fees.
Before credits & paid funds$158,695The complete starting cash picture.
Estimated remaining funds due at closing
$158,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,833.45
Your down payment$143,833.45
Closing costs + prepaids$14,861.12
Total buyer cash needed$158,694.58
Remaining funds due$158,694.58
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)$719.50
Prepaid interest, first (25 days)$1,916.62
Fees + prepaids$14,861.12
Your down payment is the seller’s equity. You take over the $431,167 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $158,694.58 is due at closing. Uses and sources reconcile at $589,861.12 each. Not a Closing Disclosure.