Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$159,704Cash toward the purchase price.
Closing costs + prepaids$12,936Not just lender fees.
Before credits & paid funds$172,639The complete starting cash picture.
Estimated remaining funds due at closing
$172,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,703.74
Your down payment$159,703.74
Closing costs + prepaids$12,935.74
Total buyer cash needed$172,639.48
Remaining funds due$172,639.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$648.00
Prepaid interest, first (12 days)$413.74
Fees + prepaids$12,935.74
Your down payment is the seller’s equity. You take over the $380,196 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $172,639.48 is due at closing. Uses and sources reconcile at $552,835.74 each. Not a Closing Disclosure.