Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$172,830Cash toward the purchase price.
Closing costs + prepaids$13,698Not just lender fees.
Before credits & paid funds$186,528The complete starting cash picture.
Estimated remaining funds due at closing
$186,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,829.76
Your down payment$172,829.76
Closing costs + prepaids$13,698.22
Total buyer cash needed$186,527.98
Remaining funds due$186,527.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$1,160.25
Initial HOA (3 months)$108.00
Prepaid interest, first (31 days)$855.97
Fees + prepaids$13,698.22
Your down payment is the seller’s equity. You take over the $337,070 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $186,527.98 is due at closing. Uses and sources reconcile at $523,598.22 each. Not a Closing Disclosure.