Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$148,420Cash toward the purchase price.
Closing costs + prepaids$14,342Not just lender fees.
Before credits & paid funds$162,763The complete starting cash picture.
Estimated remaining funds due at closing
$162,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,420.42
Your down payment$148,420.42
Closing costs + prepaids$14,342.31
Total buyer cash needed$162,762.73
Remaining funds due$162,762.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,580.00
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)$536.25
Initial HOA (3 months)$297.00
Prepaid interest, first (19 days)$1,454.06
Fees + prepaids$14,342.31
Your down payment is the seller’s equity. You take over the $409,580 balance, so the rest of the $558,000 price is paid at closing. A second mortgage can cover part of it. $162,762.73 is due at closing. Uses and sources reconcile at $572,342.31 each. Not a Closing Disclosure.