Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$162,199Cash toward the purchase price.
Closing costs + prepaids$13,326Not just lender fees.
Before credits & paid funds$175,526The complete starting cash picture.
Estimated remaining funds due at closing
$175,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,199.16
Your down payment$162,199.16
Closing costs + prepaids$13,326.42
Total buyer cash needed$175,525.59
Remaining funds due$175,525.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,243.72
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)$164.00
Initial HOA (3 months)$573.00
Prepaid interest, first (27 days)$870.70
Fees + prepaids$13,326.42
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $524,372 price is paid at closing. A second mortgage can cover part of it. $175,525.59 is due at closing. Uses and sources reconcile at $537,698.42 each. Not a Closing Disclosure.