Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$151,818Cash toward the purchase price.
Closing costs + prepaids$14,898Not just lender fees.
Before credits & paid funds$166,715The complete starting cash picture.
Estimated remaining funds due at closing
$166,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,817.58
Your down payment$151,817.58
Closing costs + prepaids$14,897.50
Total buyer cash needed$166,715.08
Remaining funds due$166,715.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$467.25
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$2,270.25
Fees + prepaids$14,897.50
Your down payment is the seller’s equity. You take over the $397,182 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $166,715.08 is due at closing. Uses and sources reconcile at $563,897.50 each. Not a Closing Disclosure.