Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$156,043Cash toward the purchase price.
Closing costs + prepaids$13,863Not just lender fees.
Before credits & paid funds$169,906The complete starting cash picture.
Estimated remaining funds due at closing
$169,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,042.77
Your down payment$156,042.77
Closing costs + prepaids$13,863.10
Total buyer cash needed$169,905.87
Remaining funds due$169,905.87
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)$714.00
Prepaid interest, first (9 days)$724.10
Fees + prepaids$13,863.10
Your down payment is the seller’s equity. You take over the $438,957 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $169,905.87 is due at closing. Uses and sources reconcile at $608,863.10 each. Not a Closing Disclosure.