Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$147,068Cash toward the purchase price.
Closing costs + prepaids$13,622Not just lender fees.
Before credits & paid funds$160,690The complete starting cash picture.
Estimated remaining funds due at closing
$160,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,068.47
Your down payment$147,068.47
Closing costs + prepaids$13,621.70
Total buyer cash needed$160,690.16
Remaining funds due$160,690.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,740.00
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)$688.75
Prepaid interest, first (9 days)$717.95
Fees + prepaids$13,621.70
Your down payment is the seller’s equity. You take over the $426,932 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $160,690.16 is due at closing. Uses and sources reconcile at $587,621.70 each. Not a Closing Disclosure.