Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,901Cash toward the purchase price.
Closing costs + prepaids$14,493Not just lender fees.
Before credits & paid funds$159,394The complete starting cash picture.
Estimated remaining funds due at closing
$159,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,900.66
Your down payment$144,900.66
Closing costs + prepaids$14,493.00
Total buyer cash needed$159,393.67
Remaining funds due$159,393.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$274.50
Prepaid interest, first (31 days)$2,143.50
Fees + prepaids$14,493.00
Your down payment is the seller’s equity. You take over the $415,099 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $159,393.67 is due at closing. Uses and sources reconcile at $574,493.00 each. Not a Closing Disclosure.