Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,817Cash toward the purchase price.
Closing costs + prepaids$13,163Not just lender fees.
Before credits & paid funds$160,980The complete starting cash picture.
Estimated remaining funds due at closing
$160,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,817.16
Your down payment$147,817.16
Closing costs + prepaids$13,162.85
Total buyer cash needed$160,980.02
Remaining funds due$160,980.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.90
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)$162.25
Initial HOA (3 months)$555.00
Prepaid interest, first (27 days)$870.70
Fees + prepaids$13,162.85
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $509,990 price is paid at closing. A second mortgage can cover part of it. $160,980.02 is due at closing. Uses and sources reconcile at $523,152.85 each. Not a Closing Disclosure.