Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$153,900Cash toward the purchase price.
Closing costs + prepaids$12,986Not just lender fees.
Before credits & paid funds$166,886The complete starting cash picture.
Estimated remaining funds due at closing
$166,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,899.74
Your down payment$153,899.74
Closing costs + prepaids$12,985.83
Total buyer cash needed$166,885.56
Remaining funds due$166,885.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$660.00
Initial HOA (3 months)$165.00
Prepaid interest, first (6 days)$186.83
Fees + prepaids$12,985.83
Your down payment is the seller’s equity. You take over the $396,000 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $166,885.56 is due at closing. Uses and sources reconcile at $562,885.83 each. Not a Closing Disclosure.