Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$147,827Cash toward the purchase price.
Closing costs + prepaids$15,332Not just lender fees.
Before credits & paid funds$163,159The complete starting cash picture.
Estimated remaining funds due at closing
$163,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,827.16
Your down payment$147,827.16
Closing costs + prepaids$15,331.71
Total buyer cash needed$163,158.88
Remaining funds due$163,158.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,275.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (23 days)$741.71
Fees + prepaids$15,331.71
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $163,158.88 is due at closing. Uses and sources reconcile at $525,331.71 each. Not a Closing Disclosure.