Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,482Cash toward the purchase price.
Closing costs + prepaids$19,132Not just lender fees.
Before credits & paid funds$167,614The complete starting cash picture.
Estimated remaining funds due at closing
$167,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,481.84
Your down payment$148,481.84
Closing costs + prepaids$19,132.34
Total buyer cash needed$167,614.18
Remaining funds due$167,614.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
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)$1,837.50
Prepaid interest, first (26 days)$2,719.84
Fees + prepaids$19,132.34
Your down payment is the seller’s equity. You take over the $586,518 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $167,614.18 is due at closing. Uses and sources reconcile at $754,132.34 each. Not a Closing Disclosure.