Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$148,420Cash toward the purchase price.
Closing costs + prepaids$13,787Not just lender fees.
Before credits & paid funds$162,207The complete starting cash picture.
Estimated remaining funds due at closing
$162,207No 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$13,786.80
Total buyer cash needed$162,207.21
Remaining funds due$162,207.21
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)$669.50
Initial HOA (3 months)$297.00
Prepaid interest, first (10 days)$765.30
Fees + prepaids$13,786.80
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. $162,207.21 is due at closing. Uses and sources reconcile at $571,786.80 each. Not a Closing Disclosure.