Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$143,045Cash toward the purchase price.
Closing costs + prepaids$16,552Not just lender fees.
Before credits & paid funds$159,597The complete starting cash picture.
Estimated remaining funds due at closing
$159,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,044.89
Your down payment$143,044.89
Closing costs + prepaids$16,551.93
Total buyer cash needed$159,596.82
Remaining funds due$159,596.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$370.75
Prepaid interest, first (21 days)$1,456.19
Fees + prepaids$16,551.93
Your down payment is the seller’s equity. You take over the $606,954 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $159,596.82 is due at closing. Uses and sources reconcile at $766,550.93 each. Not a Closing Disclosure.