Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,044Cash toward the purchase price.
Closing costs + prepaids$17,155Not just lender fees.
Before credits & paid funds$162,199The complete starting cash picture.
Estimated remaining funds due at closing
$162,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,043.89
Your down payment$145,043.89
Closing costs + prepaids$17,155.29
Total buyer cash needed$162,199.19
Remaining funds due$162,199.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.99
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)$1,675.00
Initial HOA (3 months)$261.00
Prepaid interest, first (23 days)$2,044.30
Fees + prepaids$17,155.29
Your down payment is the seller’s equity. You take over the $524,955 balance, so the rest of the $669,999 price is paid at closing. A second mortgage can cover part of it. $162,199.19 is due at closing. Uses and sources reconcile at $687,154.29 each. Not a Closing Disclosure.