Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$143,629Cash toward the purchase price.
Closing costs + prepaids$12,716Not just lender fees.
Before credits & paid funds$156,344The complete starting cash picture.
Estimated remaining funds due at closing
$156,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,628.68
Your down payment$143,628.68
Closing costs + prepaids$12,715.65
Total buyer cash needed$156,344.33
Remaining funds due$156,344.33
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)$105.00
Prepaid interest, first (6 days)$200.65
Fees + prepaids$12,715.65
Your down payment is the seller’s equity. You take over the $386,271 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $156,344.33 is due at closing. Uses and sources reconcile at $542,615.65 each. Not a Closing Disclosure.