Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,446Cash toward the purchase price.
Closing costs + prepaids$15,004Not just lender fees.
Before credits & paid funds$156,450The complete starting cash picture.
Estimated remaining funds due at closing
$156,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,446.31
Your down payment$141,446.31
Closing costs + prepaids$15,003.88
Total buyer cash needed$156,450.20
Remaining funds due$156,450.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,730.00
Prepaid interest, first (25 days)$1,698.88
Fees + prepaids$15,003.88
Your down payment is the seller’s equity. You take over the $368,554 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $156,450.20 is due at closing. Uses and sources reconcile at $525,003.88 each. Not a Closing Disclosure.