Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$152,729Cash toward the purchase price.
Closing costs + prepaids$12,712Not just lender fees.
Before credits & paid funds$165,441The complete starting cash picture.
Estimated remaining funds due at closing
$165,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,728.68
Your down payment$152,728.68
Closing costs + prepaids$12,712.40
Total buyer cash needed$165,441.08
Remaining funds due$165,441.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$646.75
Prepaid interest, first (6 days)$200.65
Fees + prepaids$12,712.40
Your down payment is the seller’s equity. You take over the $386,271 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $165,441.08 is due at closing. Uses and sources reconcile at $551,712.40 each. Not a Closing Disclosure.