Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$144,901Cash toward the purchase price.
Closing costs + prepaids$13,594Not just lender fees.
Before credits & paid funds$158,495The complete starting cash picture.
Estimated remaining funds due at closing
$158,495No 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$13,594.12
Total buyer cash needed$158,494.78
Remaining funds due$158,494.78
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)$274.50
Prepaid interest, first (18 days)$1,244.62
Fees + prepaids$13,594.12
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. $158,494.78 is due at closing. Uses and sources reconcile at $573,594.12 each. Not a Closing Disclosure.