Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$148,817Cash toward the purchase price.
Closing costs + prepaids$12,448Not just lender fees.
Before credits & paid funds$161,265The complete starting cash picture.
Estimated remaining funds due at closing
$161,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,817.16
Your down payment$148,817.16
Closing costs + prepaids$12,447.86
Total buyer cash needed$161,265.03
Remaining funds due$161,265.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,109.90
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)$21.50
Initial HOA (3 months)$132.00
Prepaid interest, first (22 days)$709.46
Fees + prepaids$12,447.86
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $510,990 price is paid at closing. A second mortgage can cover part of it. $161,265.03 is due at closing. Uses and sources reconcile at $523,437.86 each. Not a Closing Disclosure.