Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$159,704Cash toward the purchase price.
Closing costs + prepaids$12,729Not just lender fees.
Before credits & paid funds$172,433The complete starting cash picture.
Estimated remaining funds due at closing
$172,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,703.74
Your down payment$159,703.74
Closing costs + prepaids$12,728.87
Total buyer cash needed$172,432.61
Remaining funds due$172,432.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$648.00
Prepaid interest, first (6 days)$206.87
Fees + prepaids$12,728.87
Your down payment is the seller’s equity. You take over the $380,196 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $172,432.61 is due at closing. Uses and sources reconcile at $552,628.87 each. Not a Closing Disclosure.