Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$178,821Cash toward the purchase price.
Closing costs + prepaids$14,027Not just lender fees.
Before credits & paid funds$192,848The complete starting cash picture.
Estimated remaining funds due at closing
$192,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,820.81
Your down payment$178,820.81
Closing costs + prepaids$14,027.08
Total buyer cash needed$192,847.89
Remaining funds due$192,847.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$626.75
Initial HOA (3 months)$159.00
Prepaid interest, first (23 days)$1,616.33
Fees + prepaids$14,027.08
Your down payment is the seller’s equity. You take over the $336,179 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $192,847.89 is due at closing. Uses and sources reconcile at $529,027.08 each. Not a Closing Disclosure.