Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,432Cash toward the purchase price.
Closing costs + prepaids$12,488Not just lender fees.
Before credits & paid funds$156,920The complete starting cash picture.
Estimated remaining funds due at closing
$156,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,431.85
Your down payment$144,431.85
Closing costs + prepaids$12,487.95
Total buyer cash needed$156,919.80
Remaining funds due$156,919.80
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 (2 days)$138.45
Fees + prepaids$12,487.95
Your down payment is the seller’s equity. You take over the $415,568 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $156,919.80 is due at closing. Uses and sources reconcile at $572,487.95 each. Not a Closing Disclosure.