Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$145,675Cash toward the purchase price.
Closing costs + prepaids$15,385Not just lender fees.
Before credits & paid funds$161,060The complete starting cash picture.
Estimated remaining funds due at closing
$161,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,674.58
Your down payment$145,674.58
Closing costs + prepaids$15,385.32
Total buyer cash needed$161,059.90
Remaining funds due$161,059.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$1,871.50
Prepaid interest, first (22 days)$1,539.82
Fees + prepaids$15,385.32
Your down payment is the seller’s equity. You take over the $404,225 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $161,059.90 is due at closing. Uses and sources reconcile at $565,285.32 each. Not a Closing Disclosure.