Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$151,927Cash toward the purchase price.
Closing costs + prepaids$13,806Not just lender fees.
Before credits & paid funds$165,734The complete starting cash picture.
Estimated remaining funds due at closing
$165,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,927.22
Your down payment$151,927.22
Closing costs + prepaids$13,806.42
Total buyer cash needed$165,733.64
Remaining funds due$165,733.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$489.75
Initial HOA (3 months)$62.49
Prepaid interest, first (30 days)$1,579.18
Fees + prepaids$13,806.42
Your down payment is the seller’s equity. You take over the $368,073 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $165,733.64 is due at closing. Uses and sources reconcile at $533,806.42 each. Not a Closing Disclosure.