Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$146,044Cash toward the purchase price.
Closing costs + prepaids$14,790Not just lender fees.
Before credits & paid funds$160,834The complete starting cash picture.
Estimated remaining funds due at closing
$160,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,044.46
Your down payment$146,044.46
Closing costs + prepaids$14,789.77
Total buyer cash needed$160,834.23
Remaining funds due$160,834.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$241.50
Initial HOA (3 months)$17.49
Prepaid interest, first (30 days)$2,305.78
Fees + prepaids$14,789.77
Your down payment is the seller’s equity. You take over the $428,956 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $160,834.23 is due at closing. Uses and sources reconcile at $589,789.77 each. Not a Closing Disclosure.