Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$148,376Cash toward the purchase price.
Closing costs + prepaids$13,734Not just lender fees.
Before credits & paid funds$162,110The complete starting cash picture.
Estimated remaining funds due at closing
$162,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,375.89
Your down payment$148,375.89
Closing costs + prepaids$13,734.43
Total buyer cash needed$162,110.32
Remaining funds due$162,110.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,273.00
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$811.43
Fees + prepaids$13,734.43
Your down payment is the seller’s equity. You take over the $361,624 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $162,110.32 is due at closing. Uses and sources reconcile at $523,734.43 each. Not a Closing Disclosure.