Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$145,558Cash toward the purchase price.
Closing costs + prepaids$14,679Not just lender fees.
Before credits & paid funds$160,238The complete starting cash picture.
Estimated remaining funds due at closing
$160,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,558.47
Your down payment$145,558.47
Closing costs + prepaids$14,679.15
Total buyer cash needed$160,237.62
Remaining funds due$160,237.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$730.50
Prepaid interest, first (22 days)$1,623.65
Fees + prepaids$14,679.15
Your down payment is the seller’s equity. You take over the $439,442 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $160,237.62 is due at closing. Uses and sources reconcile at $599,679.15 each. Not a Closing Disclosure.