Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$173,746Cash toward the purchase price.
Closing costs + prepaids$14,121Not just lender fees.
Before credits & paid funds$187,866The complete starting cash picture.
Estimated remaining funds due at closing
$187,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,745.59
Your down payment$173,745.59
Closing costs + prepaids$14,120.75
Total buyer cash needed$187,866.34
Remaining funds due$187,866.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,259.00
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)$628.50
Initial HOA (3 months)$65.01
Prepaid interest, first (27 days)$1,693.24
Fees + prepaids$14,120.75
Your down payment is the seller’s equity. You take over the $352,154 balance, so the rest of the $525,900 price is paid at closing. A second mortgage can cover part of it. $187,866.34 is due at closing. Uses and sources reconcile at $540,020.75 each. Not a Closing Disclosure.