Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$162,714Cash toward the purchase price.
Closing costs + prepaids$14,940Not just lender fees.
Before credits & paid funds$177,654The complete starting cash picture.
Estimated remaining funds due at closing
$177,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,713.97
Your down payment$162,713.97
Closing costs + prepaids$14,939.99
Total buyer cash needed$177,653.96
Remaining funds due$177,653.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,161.75
Initial HOA (3 months)$306.00
Prepaid interest, first (25 days)$1,647.24
Fees + prepaids$14,939.99
Your down payment is the seller’s equity. You take over the $372,286 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $177,653.96 is due at closing. Uses and sources reconcile at $549,939.99 each. Not a Closing Disclosure.