Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$180,938Cash toward the purchase price.
Closing costs + prepaids$13,284Not just lender fees.
Before credits & paid funds$194,222The complete starting cash picture.
Estimated remaining funds due at closing
$194,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,938.16
Your down payment$180,938.16
Closing costs + prepaids$13,283.81
Total buyer cash needed$194,221.97
Remaining funds due$194,221.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,431.11
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)$54.00
Initial HOA (3 months)$324.00
Prepaid interest, first (31 days)$999.70
Fees + prepaids$13,283.81
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $543,111 price is paid at closing. A second mortgage can cover part of it. $194,221.97 is due at closing. Uses and sources reconcile at $556,394.81 each. Not a Closing Disclosure.