Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$150,391Cash toward the purchase price.
Closing costs + prepaids$13,789Not just lender fees.
Before credits & paid funds$164,179The complete starting cash picture.
Estimated remaining funds due at closing
$164,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,390.60
Your down payment$150,390.60
Closing costs + prepaids$13,788.70
Total buyer cash needed$164,179.30
Remaining funds due$164,179.30
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)$1,299.75
Prepaid interest, first (25 days)$814.95
Fees + prepaids$13,788.70
Your down payment is the seller’s equity. You take over the $369,509 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $164,179.30 is due at closing. Uses and sources reconcile at $533,688.70 each. Not a Closing Disclosure.