Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,629Cash toward the purchase price.
Closing costs + prepaids$14,353Not just lender fees.
Before credits & paid funds$157,982The complete starting cash picture.
Estimated remaining funds due at closing
$157,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,628.68
Your down payment$143,628.68
Closing costs + prepaids$14,353.04
Total buyer cash needed$157,981.72
Remaining funds due$157,981.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,638.00
Initial HOA (3 months)$105.00
Prepaid interest, first (25 days)$836.04
Fees + prepaids$14,353.04
Your down payment is the seller’s equity. You take over the $386,271 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $157,981.72 is due at closing. Uses and sources reconcile at $544,253.04 each. Not a Closing Disclosure.