Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$142,553Cash toward the purchase price.
Closing costs + prepaids$12,424Not just lender fees.
Before credits & paid funds$154,977The complete starting cash picture.
Estimated remaining funds due at closing
$154,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,553.06
Your down payment$142,553.06
Closing costs + prepaids$12,424.22
Total buyer cash needed$154,977.29
Remaining funds due$154,977.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$618.00
Prepaid interest, first (6 days)$181.22
Fees + prepaids$12,424.22
Your down payment is the seller’s equity. You take over the $372,447 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $154,977.29 is due at closing. Uses and sources reconcile at $527,424.22 each. Not a Closing Disclosure.