Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$156,217Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$168,563The complete starting cash picture.
Estimated remaining funds due at closing
$168,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,217.41
Your down payment$156,217.41
Closing costs + prepaids$12,345.35
Total buyer cash needed$168,562.77
Remaining funds due$168,562.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.89
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)$118.25
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$40.21
Fees + prepaids$12,345.35
Your down payment is the seller’s equity. You take over the $367,872 balance, so the rest of the $524,089 price is paid at closing. A second mortgage can cover part of it. $168,562.77 is due at closing. Uses and sources reconcile at $536,434.35 each. Not a Closing Disclosure.