Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,211Cash toward the purchase price.
Closing costs + prepaids$15,011Not just lender fees.
Before credits & paid funds$160,222The complete starting cash picture.
Estimated remaining funds due at closing
$160,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,210.98
Your down payment$145,210.98
Closing costs + prepaids$15,011.13
Total buyer cash needed$160,222.11
Remaining funds due$160,222.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.97
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)$1,500.00
Prepaid interest, first (28 days)$1,036.16
Fees + prepaids$15,011.13
Your down payment is the seller’s equity. You take over the $454,786 balance, so the rest of the $599,997 price is paid at closing. A second mortgage can cover part of it. $160,222.11 is due at closing. Uses and sources reconcile at $615,008.13 each. Not a Closing Disclosure.