Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$162,199Cash toward the purchase price.
Closing costs + prepaids$13,758Not just lender fees.
Before credits & paid funds$175,957The complete starting cash picture.
Estimated remaining funds due at closing
$175,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,199.16
Your down payment$162,199.16
Closing costs + prepaids$13,757.96
Total buyer cash needed$175,957.13
Remaining funds due$175,957.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,243.72
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)$1,337.25
Initial HOA (3 months)$573.00
Prepaid interest, first (4 days)$128.99
Fees + prepaids$13,757.96
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $524,372 price is paid at closing. A second mortgage can cover part of it. $175,957.13 is due at closing. Uses and sources reconcile at $538,129.96 each. Not a Closing Disclosure.