Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$144,901Cash toward the purchase price.
Closing costs + prepaids$13,922Not just lender fees.
Before credits & paid funds$158,823The complete starting cash picture.
Estimated remaining funds due at closing
$158,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,900.66
Your down payment$144,900.66
Closing costs + prepaids$13,922.47
Total buyer cash needed$158,823.13
Remaining funds due$158,823.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$672.00
Prepaid interest, first (17 days)$1,175.47
Fees + prepaids$13,922.47
Your down payment is the seller’s equity. You take over the $415,099 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $158,823.13 is due at closing. Uses and sources reconcile at $573,922.47 each. Not a Closing Disclosure.