Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$156,370Cash toward the purchase price.
Closing costs + prepaids$14,171Not just lender fees.
Before credits & paid funds$170,540The complete starting cash picture.
Estimated remaining funds due at closing
$170,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,369.77
Your down payment$156,369.77
Closing costs + prepaids$14,170.63
Total buyer cash needed$170,540.40
Remaining funds due$170,540.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.50
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)$1,444.00
Initial HOA (3 months)$27.51
Prepaid interest, first (24 days)$724.62
Fees + prepaids$14,170.63
Your down payment is the seller’s equity. You take over the $393,580 balance, so the rest of the $549,950 price is paid at closing. A second mortgage can cover part of it. $170,540.40 is due at closing. Uses and sources reconcile at $564,120.63 each. Not a Closing Disclosure.