Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$182,817Cash toward the purchase price.
Closing costs + prepaids$14,100Not just lender fees.
Before credits & paid funds$196,917The complete starting cash picture.
Estimated remaining funds due at closing
$196,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,817.16
Your down payment$182,817.16
Closing costs + prepaids$14,099.89
Total buyer cash needed$196,917.06
Remaining funds due$196,917.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.90
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)$1,389.75
Initial HOA (3 months)$624.00
Prepaid interest, first (5 days)$161.24
Fees + prepaids$14,099.89
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $544,990 price is paid at closing. A second mortgage can cover part of it. $196,917.06 is due at closing. Uses and sources reconcile at $559,089.89 each. Not a Closing Disclosure.