Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,509Cash toward the purchase price.
Closing costs + prepaids$17,930Not just lender fees.
Before credits & paid funds$176,439The complete starting cash picture.
Estimated remaining funds due at closing
$176,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,508.95
Your down payment$158,508.95
Closing costs + prepaids$17,929.85
Total buyer cash needed$176,438.80
Remaining funds due$176,438.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$476.00
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$2,603.85
Fees + prepaids$17,929.85
Your down payment is the seller’s equity. You take over the $591,490 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $176,438.80 is due at closing. Uses and sources reconcile at $767,928.85 each. Not a Closing Disclosure.