Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$161,808Cash toward the purchase price.
Closing costs + prepaids$14,489Not just lender fees.
Before credits & paid funds$176,296The complete starting cash picture.
Estimated remaining funds due at closing
$176,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,807.69
Your down payment$161,807.69
Closing costs + prepaids$14,488.70
Total buyer cash needed$176,296.39
Remaining funds due$176,296.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.90
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)$349.75
Initial HOA (3 months)$555.00
Prepaid interest, first (28 days)$1,709.05
Fees + prepaids$14,488.70
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $539,990 price is paid at closing. A second mortgage can cover part of it. $176,296.39 is due at closing. Uses and sources reconcile at $554,478.70 each. Not a Closing Disclosure.