Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,552Cash toward the purchase price.
Closing costs + prepaids$13,881Not just lender fees.
Before credits & paid funds$161,433The complete starting cash picture.
Estimated remaining funds due at closing
$161,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,552.06
Your down payment$147,552.06
Closing costs + prepaids$13,881.00
Total buyer cash needed$161,433.06
Remaining funds due$161,433.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.99
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)$1,390.50
Prepaid interest, first (27 days)$815.51
Fees + prepaids$13,881.00
Your down payment is the seller’s equity. You take over the $372,447 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $161,433.06 is due at closing. Uses and sources reconcile at $533,880.00 each. Not a Closing Disclosure.