Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,414Cash toward the purchase price.
Closing costs + prepaids$13,970Not just lender fees.
Before credits & paid funds$162,384The complete starting cash picture.
Estimated remaining funds due at closing
$162,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,414.37
Your down payment$148,414.37
Closing costs + prepaids$13,970.12
Total buyer cash needed$162,384.49
Remaining funds due$162,384.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,386.98
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)$615.00
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$1,223.14
Fees + prepaids$13,970.12
Your down payment is the seller’s equity. You take over the $390,284 balance, so the rest of the $538,698 price is paid at closing. A second mortgage can cover part of it. $162,384.49 is due at closing. Uses and sources reconcile at $552,668.12 each. Not a Closing Disclosure.