Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$149,610Cash toward the purchase price.
Closing costs + prepaids$14,746Not just lender fees.
Before credits & paid funds$164,356The complete starting cash picture.
Estimated remaining funds due at closing
$164,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,610.39
Your down payment$149,610.39
Closing costs + prepaids$14,745.73
Total buyer cash needed$164,356.11
Remaining funds due$164,356.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,337.50
Initial HOA (3 months)$717.00
Prepaid interest, first (28 days)$866.23
Fees + prepaids$14,745.73
Your down payment is the seller’s equity. You take over the $385,390 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $164,356.11 is due at closing. Uses and sources reconcile at $549,745.73 each. Not a Closing Disclosure.