Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$160,550Cash toward the purchase price.
Closing costs + prepaids$15,706Not just lender fees.
Before credits & paid funds$176,257The complete starting cash picture.
Estimated remaining funds due at closing
$176,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,550.37
Your down payment$160,550.37
Closing costs + prepaids$15,706.21
Total buyer cash needed$176,256.59
Remaining funds due$176,256.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$725.00
Initial HOA (3 months)$180.00
Prepaid interest, first (19 days)$1,876.21
Fees + prepaids$15,706.21
Your down payment is the seller’s equity. You take over the $484,450 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $176,256.59 is due at closing. Uses and sources reconcile at $660,706.21 each. Not a Closing Disclosure.