Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$154,007Cash toward the purchase price.
Closing costs + prepaids$13,786Not just lender fees.
Before credits & paid funds$167,793The complete starting cash picture.
Estimated remaining funds due at closing
$167,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,006.76
Your down payment$154,006.76
Closing costs + prepaids$13,786.20
Total buyer cash needed$167,792.96
Remaining funds due$167,792.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,179.00
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)$1,294.75
Prepaid interest, first (24 days)$837.45
Fees + prepaids$13,786.20
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $517,900 price is paid at closing. A second mortgage can cover part of it. $167,792.96 is due at closing. Uses and sources reconcile at $531,686.20 each. Not a Closing Disclosure.