Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,502Cash toward the purchase price.
Closing costs + prepaids$16,017Not just lender fees.
Before credits & paid funds$159,519The complete starting cash picture.
Estimated remaining funds due at closing
$159,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,501.79
Your down payment$143,501.79
Closing costs + prepaids$16,017.28
Total buyer cash needed$159,519.07
Remaining funds due$159,519.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,449.99
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)$323.75
Prepaid interest, first (31 days)$2,768.54
Fees + prepaids$16,017.28
Your down payment is the seller’s equity. You take over the $501,497 balance, so the rest of the $644,999 price is paid at closing. A second mortgage can cover part of it. $159,519.07 is due at closing. Uses and sources reconcile at $661,016.28 each. Not a Closing Disclosure.