Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$165,864Cash toward the purchase price.
Closing costs + prepaids$14,339Not just lender fees.
Before credits & paid funds$180,203The complete starting cash picture.
Estimated remaining funds due at closing
$180,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,863.92
Your down payment$165,863.92
Closing costs + prepaids$14,339.15
Total buyer cash needed$180,203.06
Remaining funds due$180,203.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,140.00
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)$1,232.00
Initial HOA (3 months)$39.99
Prepaid interest, first (25 days)$1,452.16
Fees + prepaids$14,339.15
Your down payment is the seller’s equity. You take over the $348,136 balance, so the rest of the $514,000 price is paid at closing. A second mortgage can cover part of it. $180,203.06 is due at closing. Uses and sources reconcile at $528,339.15 each. Not a Closing Disclosure.