Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$146,902Cash toward the purchase price.
Closing costs + prepaids$14,124Not just lender fees.
Before credits & paid funds$161,026The complete starting cash picture.
Estimated remaining funds due at closing
$161,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,901.61
Your down payment$146,901.61
Closing costs + prepaids$14,123.94
Total buyer cash needed$161,025.56
Remaining funds due$161,025.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,517.25
Prepaid interest, first (5 days)$181.69
Fees + prepaids$14,123.94
Your down payment is the seller’s equity. You take over the $448,098 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $161,025.56 is due at closing. Uses and sources reconcile at $609,123.94 each. Not a Closing Disclosure.