Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,600Cash toward the purchase price.
Closing costs + prepaids$15,915Not just lender fees.
Before credits & paid funds$169,516The complete starting cash picture.
Estimated remaining funds due at closing
$169,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,600.27
Your down payment$153,600.27
Closing costs + prepaids$15,915.25
Total buyer cash needed$169,515.52
Remaining funds due$169,515.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$2,332.00
Initial HOA (3 months)$36.00
Prepaid interest, first (25 days)$1,773.25
Fees + prepaids$15,915.25
Your down payment is the seller’s equity. You take over the $376,300 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $169,515.52 is due at closing. Uses and sources reconcile at $545,815.25 each. Not a Closing Disclosure.