Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$167,941Cash toward the purchase price.
Closing costs + prepaids$15,328Not just lender fees.
Before credits & paid funds$183,269The complete starting cash picture.
Estimated remaining funds due at closing
$183,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,940.53
Your down payment$167,940.53
Closing costs + prepaids$15,328.33
Total buyer cash needed$183,268.87
Remaining funds due$183,268.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,563.25
Initial HOA (3 months)$447.00
Prepaid interest, first (25 days)$1,644.08
Fees + prepaids$15,328.33
Your down payment is the seller’s equity. You take over the $351,959 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $183,268.87 is due at closing. Uses and sources reconcile at $535,228.33 each. Not a Closing Disclosure.