Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,508Cash toward the purchase price.
Closing costs + prepaids$13,439Not just lender fees.
Before credits & paid funds$161,948The complete starting cash picture.
Estimated remaining funds due at closing
$161,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,508.46
Your down payment$148,508.46
Closing costs + prepaids$13,439.16
Total buyer cash needed$161,947.61
Remaining funds due$161,947.61
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)$789.75
Prepaid interest, first (28 days)$884.41
Fees + prepaids$13,439.16
Your down payment is the seller’s equity. You take over the $380,492 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $161,947.61 is due at closing. Uses and sources reconcile at $542,439.16 each. Not a Closing Disclosure.