Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$142,919Cash toward the purchase price.
Closing costs + prepaids$13,393Not just lender fees.
Before credits & paid funds$156,311The complete starting cash picture.
Estimated remaining funds due at closing
$156,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,918.58
Your down payment$142,918.58
Closing costs + prepaids$13,392.64
Total buyer cash needed$156,311.22
Remaining funds due$156,311.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.90
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)$224.75
Prepaid interest, first (24 days)$1,592.99
Fees + prepaids$13,392.64
Your down payment is the seller’s equity. You take over the $367,071 balance, so the rest of the $509,990 price is paid at closing. A second mortgage can cover part of it. $156,311.22 is due at closing. Uses and sources reconcile at $523,382.64 each. Not a Closing Disclosure.