Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$172,026Cash toward the purchase price.
Closing costs + prepaids$13,077Not just lender fees.
Before credits & paid funds$185,103The complete starting cash picture.
Estimated remaining funds due at closing
$185,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,025.87
Your down payment$172,025.87
Closing costs + prepaids$13,077.32
Total buyer cash needed$185,103.19
Remaining funds due$185,103.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$971.00
Initial HOA (3 months)$249.00
Prepaid interest, first (1 days)$32.32
Fees + prepaids$13,077.32
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $185,103.19 is due at closing. Uses and sources reconcile at $548,077.32 each. Not a Closing Disclosure.