Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$147,999Cash toward the purchase price.
Closing costs + prepaids$12,965Not just lender fees.
Before credits & paid funds$160,964The complete starting cash picture.
Estimated remaining funds due at closing
$160,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,998.77
Your down payment$147,998.77
Closing costs + prepaids$12,964.86
Total buyer cash needed$160,963.63
Remaining funds due$160,963.63
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 (1 days)$76.61
Fees + prepaids$12,964.86
Your down payment is the seller’s equity. You take over the $410,001 balance, so the rest of the $558,000 price is paid at closing. A second mortgage can cover part of it. $160,963.63 is due at closing. Uses and sources reconcile at $570,964.86 each. Not a Closing Disclosure.