Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,811Cash toward the purchase price.
Closing costs + prepaids$12,107Not just lender fees.
Before credits & paid funds$173,918The complete starting cash picture.
Estimated remaining funds due at closing
$173,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,810.62
Your down payment$161,810.62
Closing costs + prepaids$12,107.27
Total buyer cash needed$173,917.88
Remaining funds due$173,917.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$369.50
Prepaid interest, first (1 days)$63.77
Fees + prepaids$12,107.27
Your down payment is the seller’s equity. You take over the $358,089 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $173,917.88 is due at closing. Uses and sources reconcile at $532,007.27 each. Not a Closing Disclosure.