Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$159,490Cash toward the purchase price.
Closing costs + prepaids$14,218Not just lender fees.
Before credits & paid funds$173,708The complete starting cash picture.
Estimated remaining funds due at closing
$173,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,489.73
Your down payment$159,489.73
Closing costs + prepaids$14,217.80
Total buyer cash needed$173,707.53
Remaining funds due$173,707.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,564.50
Prepaid interest, first (30 days)$928.30
Fees + prepaids$14,217.80
Your down payment is the seller’s equity. You take over the $365,510 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $173,707.53 is due at closing. Uses and sources reconcile at $539,217.80 each. Not a Closing Disclosure.