Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$148,420Cash toward the purchase price.
Closing costs + prepaids$14,419Not just lender fees.
Before credits & paid funds$162,839The complete starting cash picture.
Estimated remaining funds due at closing
$162,839No 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$14,418.84
Total buyer cash needed$162,839.26
Remaining funds due$162,839.26
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)$536.25
Initial HOA (3 months)$297.00
Prepaid interest, first (20 days)$1,530.59
Fees + prepaids$14,418.84
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. $162,839.26 is due at closing. Uses and sources reconcile at $572,418.84 each. Not a Closing Disclosure.