Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$159,541Cash toward the purchase price.
Closing costs + prepaids$15,161Not just lender fees.
Before credits & paid funds$174,702The complete starting cash picture.
Estimated remaining funds due at closing
$174,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,540.95
Your down payment$159,540.95
Closing costs + prepaids$15,160.82
Total buyer cash needed$174,701.77
Remaining funds due$174,701.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,844.40
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)$960.75
Initial HOA (3 months)$136.26
Prepaid interest, first (27 days)$1,744.41
Fees + prepaids$15,160.82
Your down payment is the seller’s equity. You take over the $424,899 balance, so the rest of the $584,440 price is paid at closing. A second mortgage can cover part of it. $174,701.77 is due at closing. Uses and sources reconcile at $599,600.82 each. Not a Closing Disclosure.