Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$147,068Cash toward the purchase price.
Closing costs + prepaids$14,260Not just lender fees.
Before credits & paid funds$161,328The complete starting cash picture.
Estimated remaining funds due at closing
$161,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,068.47
Your down payment$147,068.47
Closing costs + prepaids$14,259.87
Total buyer cash needed$161,328.34
Remaining funds due$161,328.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,740.00
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)$688.75
Prepaid interest, first (17 days)$1,356.12
Fees + prepaids$14,259.87
Your down payment is the seller’s equity. You take over the $426,932 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $161,328.34 is due at closing. Uses and sources reconcile at $588,259.87 each. Not a Closing Disclosure.