Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$148,191Cash toward the purchase price.
Closing costs + prepaids$14,686Not just lender fees.
Before credits & paid funds$162,878The complete starting cash picture.
Estimated remaining funds due at closing
$162,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,191.10
Your down payment$148,191.10
Closing costs + prepaids$14,686.46
Total buyer cash needed$162,877.55
Remaining funds due$162,877.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Prepaid interest, first (27 days)$961.46
Fees + prepaids$14,686.46
Your down payment is the seller’s equity. You take over the $431,809 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $162,877.55 is due at closing. Uses and sources reconcile at $594,686.46 each. Not a Closing Disclosure.