Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$171,951Cash toward the purchase price.
Closing costs + prepaids$14,753Not just lender fees.
Before credits & paid funds$186,705The complete starting cash picture.
Estimated remaining funds due at closing
$186,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,951.29
Your down payment$171,951.29
Closing costs + prepaids$14,753.41
Total buyer cash needed$186,704.71
Remaining funds due$186,704.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$518.00
Initial HOA (3 months)$177.00
Prepaid interest, first (30 days)$2,084.41
Fees + prepaids$14,753.41
Your down payment is the seller’s equity. You take over the $377,949 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $186,704.71 is due at closing. Uses and sources reconcile at $564,653.41 each. Not a Closing Disclosure.