Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$156,370Cash toward the purchase price.
Closing costs + prepaids$12,873Not just lender fees.
Before credits & paid funds$169,243The complete starting cash picture.
Estimated remaining funds due at closing
$169,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,369.77
Your down payment$156,369.77
Closing costs + prepaids$12,873.36
Total buyer cash needed$169,243.13
Remaining funds due$169,243.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.50
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)$660.00
Initial HOA (3 months)$27.51
Prepaid interest, first (7 days)$211.35
Fees + prepaids$12,873.36
Your down payment is the seller’s equity. You take over the $393,580 balance, so the rest of the $549,950 price is paid at closing. A second mortgage can cover part of it. $169,243.13 is due at closing. Uses and sources reconcile at $562,823.36 each. Not a Closing Disclosure.