Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$148,817Cash toward the purchase price.
Closing costs + prepaids$13,181Not just lender fees.
Before credits & paid funds$161,998The complete starting cash picture.
Estimated remaining funds due at closing
$161,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,817.16
Your down payment$148,817.16
Closing costs + prepaids$13,181.14
Total buyer cash needed$161,998.31
Remaining funds due$161,998.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,109.90
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)$1,303.00
Initial HOA (3 months)$132.00
Prepaid interest, first (5 days)$161.24
Fees + prepaids$13,181.14
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $510,990 price is paid at closing. A second mortgage can cover part of it. $161,998.31 is due at closing. Uses and sources reconcile at $524,171.14 each. Not a Closing Disclosure.