Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$159,980Cash toward the purchase price.
Closing costs + prepaids$17,832Not just lender fees.
Before credits & paid funds$177,812The complete starting cash picture.
Estimated remaining funds due at closing
$177,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,980.50
Your down payment$159,980.50
Closing costs + prepaids$17,831.91
Total buyer cash needed$177,812.41
Remaining funds due$177,812.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$1,823.25
Initial HOA (3 months)$1,583.01
Prepaid interest, first (29 days)$2,160.65
Fees + prepaids$17,831.91
Your down payment is the seller’s equity. You take over the $419,020 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $177,812.41 is due at closing. Uses and sources reconcile at $596,831.91 each. Not a Closing Disclosure.