Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$145,931Cash toward the purchase price.
Closing costs + prepaids$16,653Not just lender fees.
Before credits & paid funds$162,584The complete starting cash picture.
Estimated remaining funds due at closing
$162,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,930.87
Your down payment$145,930.87
Closing costs + prepaids$16,652.69
Total buyer cash needed$162,583.56
Remaining funds due$162,583.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,809.00
Initial HOA (3 months)$735.00
Prepaid interest, first (24 days)$1,934.69
Fees + prepaids$16,652.69
Your down payment is the seller’s equity. You take over the $423,969 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $162,583.56 is due at closing. Uses and sources reconcile at $586,552.69 each. Not a Closing Disclosure.