Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$180,951Cash toward the purchase price.
Closing costs + prepaids$14,162Not just lender fees.
Before credits & paid funds$195,114The complete starting cash picture.
Estimated remaining funds due at closing
$195,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,951.35
Your down payment$180,951.35
Closing costs + prepaids$14,162.37
Total buyer cash needed$195,113.72
Remaining funds due$195,113.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,322.50
Initial HOA (3 months)$405.00
Prepaid interest, first (25 days)$669.87
Fees + prepaids$14,162.37
Your down payment is the seller’s equity. You take over the $348,049 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $195,113.72 is due at closing. Uses and sources reconcile at $543,162.37 each. Not a Closing Disclosure.