Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$172,830Cash toward the purchase price.
Closing costs + prepaids$12,460Not just lender fees.
Before credits & paid funds$185,289The complete starting cash picture.
Estimated remaining funds due at closing
$185,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,829.76
Your down payment$172,829.76
Closing costs + prepaids$12,459.67
Total buyer cash needed$185,289.43
Remaining funds due$185,289.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$612.00
Initial HOA (3 months)$108.00
Prepaid interest, first (6 days)$165.67
Fees + prepaids$12,459.67
Your down payment is the seller’s equity. You take over the $337,070 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $185,289.43 is due at closing. Uses and sources reconcile at $522,359.67 each. Not a Closing Disclosure.