Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$146,044Cash toward the purchase price.
Closing costs + prepaids$13,944Not just lender fees.
Before credits & paid funds$159,989The complete starting cash picture.
Estimated remaining funds due at closing
$159,989No 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$13,944.32
Total buyer cash needed$159,988.78
Remaining funds due$159,988.78
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 (19 days)$1,460.33
Fees + prepaids$13,944.32
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. $159,988.78 is due at closing. Uses and sources reconcile at $588,944.32 each. Not a Closing Disclosure.