Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$160,550Cash toward the purchase price.
Closing costs + prepaids$14,866Not just lender fees.
Before credits & paid funds$175,417The complete starting cash picture.
Estimated remaining funds due at closing
$175,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,550.37
Your down payment$160,550.37
Closing costs + prepaids$14,866.48
Total buyer cash needed$175,416.86
Remaining funds due$175,416.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$774.00
Initial HOA (3 months)$180.00
Prepaid interest, first (10 days)$987.48
Fees + prepaids$14,866.48
Your down payment is the seller’s equity. You take over the $484,450 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $175,416.86 is due at closing. Uses and sources reconcile at $659,866.48 each. Not a Closing Disclosure.