Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$163,681Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$176,389The complete starting cash picture.
Estimated remaining funds due at closing
$176,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,680.70
Your down payment$163,680.70
Closing costs + prepaids$12,708.58
Total buyer cash needed$176,389.29
Remaining funds due$176,389.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$648.00
Prepaid interest, first (6 days)$185.58
Fees + prepaids$12,708.58
Your down payment is the seller’s equity. You take over the $376,319 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $176,389.29 is due at closing. Uses and sources reconcile at $552,708.58 each. Not a Closing Disclosure.