Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$153,424Cash toward the purchase price.
Closing costs + prepaids$12,316Not just lender fees.
Before credits & paid funds$165,740The complete starting cash picture.
Estimated remaining funds due at closing
$165,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,424.39
Your down payment$153,424.39
Closing costs + prepaids$12,315.79
Total buyer cash needed$165,740.19
Remaining funds due$165,740.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$685.50
Prepaid interest, first (2 days)$55.29
Fees + prepaids$12,315.79
Your down payment is the seller’s equity. You take over the $356,576 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $165,740.19 is due at closing. Uses and sources reconcile at $522,315.79 each. Not a Closing Disclosure.