Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$182,264Cash toward the purchase price.
Closing costs + prepaids$12,850Not just lender fees.
Before credits & paid funds$195,113The complete starting cash picture.
Estimated remaining funds due at closing
$195,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,263.74
Your down payment$182,263.74
Closing costs + prepaids$12,849.58
Total buyer cash needed$195,113.32
Remaining funds due$195,113.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$636.00
Initial HOA (3 months)$195.00
Prepaid interest, first (6 days)$244.58
Fees + prepaids$12,849.58
Your down payment is the seller’s equity. You take over the $347,636 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $195,113.32 is due at closing. Uses and sources reconcile at $542,749.58 each. Not a Closing Disclosure.