Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,107Cash toward the purchase price.
Closing costs + prepaids$15,420Not just lender fees.
Before credits & paid funds$188,526The complete starting cash picture.
Estimated remaining funds due at closing
$188,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,106.76
Your down payment$173,106.76
Closing costs + prepaids$15,419.63
Total buyer cash needed$188,526.39
Remaining funds due$188,526.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,370.00
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)$1,342.50
Initial HOA (3 months)$1,290.00
Prepaid interest, first (27 days)$942.13
Fees + prepaids$15,419.63
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $188,526.39 is due at closing. Uses and sources reconcile at $552,419.63 each. Not a Closing Disclosure.