Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$147,852Cash toward the purchase price.
Closing costs + prepaids$15,453Not just lender fees.
Before credits & paid funds$163,304The complete starting cash picture.
Estimated remaining funds due at closing
$163,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,851.78
Your down payment$147,851.78
Closing costs + prepaids$15,452.51
Total buyer cash needed$163,304.30
Remaining funds due$163,304.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.50
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)$1,734.25
Prepaid interest, first (23 days)$1,643.76
Fees + prepaids$15,452.51
Your down payment is the seller’s equity. You take over the $412,098 balance, so the rest of the $559,950 price is paid at closing. A second mortgage can cover part of it. $163,304.30 is due at closing. Uses and sources reconcile at $575,402.51 each. Not a Closing Disclosure.