Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$179,726Cash toward the purchase price.
Closing costs + prepaids$15,017Not just lender fees.
Before credits & paid funds$194,743The complete starting cash picture.
Estimated remaining funds due at closing
$194,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,725.61
Your down payment$179,725.61
Closing costs + prepaids$15,016.90
Total buyer cash needed$194,742.50
Remaining funds due$194,742.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.90
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)$1,387.50
Initial HOA (3 months)$186.00
Prepaid interest, first (27 days)$1,418.50
Fees + prepaids$15,016.90
Your down payment is the seller’s equity. You take over the $375,264 balance, so the rest of the $554,990 price is paid at closing. A second mortgage can cover part of it. $194,742.50 is due at closing. Uses and sources reconcile at $570,006.90 each. Not a Closing Disclosure.