Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$145,756Cash toward the purchase price.
Closing costs + prepaids$13,222Not just lender fees.
Before credits & paid funds$158,978The complete starting cash picture.
Estimated remaining funds due at closing
$158,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,755.98
Your down payment$145,755.98
Closing costs + prepaids$13,221.65
Total buyer cash needed$158,977.63
Remaining funds due$158,977.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,625.00
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)$675.00
Initial HOA (3 months)$261.00
Prepaid interest, first (6 days)$185.65
Fees + prepaids$13,221.65
Your down payment is the seller’s equity. You take over the $416,744 balance, so the rest of the $562,500 price is paid at closing. A second mortgage can cover part of it. $158,977.63 is due at closing. Uses and sources reconcile at $575,721.65 each. Not a Closing Disclosure.