Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$160,479Cash toward the purchase price.
Closing costs + prepaids$13,562Not just lender fees.
Before credits & paid funds$174,041The complete starting cash picture.
Estimated remaining funds due at closing
$174,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,478.76
Your down payment$160,478.76
Closing costs + prepaids$13,561.85
Total buyer cash needed$174,040.61
Remaining funds due$174,040.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,243.72
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)$328.00
Initial HOA (3 months)$573.00
Prepaid interest, first (27 days)$942.13
Fees + prepaids$13,561.85
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $524,372 price is paid at closing. A second mortgage can cover part of it. $174,040.61 is due at closing. Uses and sources reconcile at $537,933.85 each. Not a Closing Disclosure.