Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,393Cash toward the purchase price.
Closing costs + prepaids$13,271Not just lender fees.
Before credits & paid funds$158,665The complete starting cash picture.
Estimated remaining funds due at closing
$158,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,393.47
Your down payment$145,393.47
Closing costs + prepaids$13,271.13
Total buyer cash needed$158,664.60
Remaining funds due$158,664.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,201.24
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)$22.50
Initial HOA (3 months)$171.00
Prepaid interest, first (26 days)$1,401.39
Fees + prepaids$13,271.13
Your down payment is the seller’s equity. You take over the $374,731 balance, so the rest of the $520,124 price is paid at closing. A second mortgage can cover part of it. $158,664.60 is due at closing. Uses and sources reconcile at $533,395.13 each. Not a Closing Disclosure.