Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,721Cash toward the purchase price.
Closing costs + prepaids$17,294Not just lender fees.
Before credits & paid funds$159,015The complete starting cash picture.
Estimated remaining funds due at closing
$159,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,721.05
Your down payment$141,721.05
Closing costs + prepaids$17,293.67
Total buyer cash needed$159,014.72
Remaining funds due$159,014.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Initial HOA (3 months)$1,260.00
Prepaid interest, first (24 days)$1,933.67
Fees + prepaids$17,293.67
Your down payment is the seller’s equity. You take over the $468,279 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $159,014.72 is due at closing. Uses and sources reconcile at $627,293.67 each. Not a Closing Disclosure.