Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$160,091Cash toward the purchase price.
Closing costs + prepaids$13,929Not just lender fees.
Before credits & paid funds$174,020The complete starting cash picture.
Estimated remaining funds due at closing
$174,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,091.16
Your down payment$160,091.16
Closing costs + prepaids$13,928.84
Total buyer cash needed$174,020.00
Remaining funds due$174,020.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,450.00
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)$725.00
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$98.84
Fees + prepaids$13,928.84
Your down payment is the seller’s equity. You take over the $484,909 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $174,020.00 is due at closing. Uses and sources reconcile at $658,928.84 each. Not a Closing Disclosure.