Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$158,075Cash toward the purchase price.
Closing costs + prepaids$13,889Not just lender fees.
Before credits & paid funds$171,964The complete starting cash picture.
Estimated remaining funds due at closing
$171,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,075.34
Your down payment$158,075.34
Closing costs + prepaids$13,889.02
Total buyer cash needed$171,964.36
Remaining funds due$171,964.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,495.00
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)$310.00
Prepaid interest, first (22 days)$1,609.02
Fees + prepaids$13,889.02
Your down payment is the seller’s equity. You take over the $391,425 balance, so the rest of the $549,500 price is paid at closing. A second mortgage can cover part of it. $171,964.36 is due at closing. Uses and sources reconcile at $563,389.02 each. Not a Closing Disclosure.