Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$142,067Cash toward the purchase price.
Closing costs + prepaids$13,839Not just lender fees.
Before credits & paid funds$155,906The complete starting cash picture.
Estimated remaining funds due at closing
$155,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,066.84
Your down payment$142,066.84
Closing costs + prepaids$13,838.84
Total buyer cash needed$155,905.68
Remaining funds due$155,905.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$702.00
Prepaid interest, first (10 days)$811.84
Fees + prepaids$13,838.84
Your down payment is the seller’s equity. You take over the $442,933 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $155,905.68 is due at closing. Uses and sources reconcile at $598,838.84 each. Not a Closing Disclosure.