Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$146,219Cash toward the purchase price.
Closing costs + prepaids$12,289Not just lender fees.
Before credits & paid funds$158,507The complete starting cash picture.
Estimated remaining funds due at closing
$158,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,218.53
Your down payment$146,218.53
Closing costs + prepaids$12,288.58
Total buyer cash needed$158,507.12
Remaining funds due$158,507.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$470.75
Prepaid interest, first (1 days)$43.83
Fees + prepaids$12,288.58
Your down payment is the seller’s equity. You take over the $383,681 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $158,507.12 is due at closing. Uses and sources reconcile at $542,188.58 each. Not a Closing Disclosure.