Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$156,376Cash toward the purchase price.
Closing costs + prepaids$16,179Not just lender fees.
Before credits & paid funds$172,555The complete starting cash picture.
Estimated remaining funds due at closing
$172,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,375.93
Your down payment$156,375.93
Closing costs + prepaids$16,178.84
Total buyer cash needed$172,554.77
Remaining funds due$172,554.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
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)$1,151.50
Initial HOA (3 months)$354.00
Prepaid interest, first (27 days)$2,299.34
Fees + prepaids$16,178.84
Your down payment is the seller’s equity. You take over the $433,524 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $172,554.77 is due at closing. Uses and sources reconcile at $606,078.84 each. Not a Closing Disclosure.