Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$172,534Cash toward the purchase price.
Closing costs + prepaids$13,759Not just lender fees.
Before credits & paid funds$186,293The complete starting cash picture.
Estimated remaining funds due at closing
$186,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,534.47
Your down payment$172,534.47
Closing costs + prepaids$13,758.50
Total buyer cash needed$186,292.97
Remaining funds due$186,292.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$499.25
Prepaid interest, first (31 days)$1,535.25
Fees + prepaids$13,758.50
Your down payment is the seller’s equity. You take over the $352,366 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $186,292.97 is due at closing. Uses and sources reconcile at $538,658.50 each. Not a Closing Disclosure.