Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$159,303Cash toward the purchase price.
Closing costs + prepaids$13,106Not just lender fees.
Before credits & paid funds$172,408The complete starting cash picture.
Estimated remaining funds due at closing
$172,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,302.78
Your down payment$159,302.78
Closing costs + prepaids$13,105.63
Total buyer cash needed$172,408.41
Remaining funds due$172,408.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$530.25
Prepaid interest, first (31 days)$910.38
Fees + prepaids$13,105.63
Your down payment is the seller’s equity. You take over the $359,697 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $172,408.41 is due at closing. Uses and sources reconcile at $532,105.63 each. Not a Closing Disclosure.