Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$159,303Cash toward the purchase price.
Closing costs + prepaids$12,640Not just lender fees.
Before credits & paid funds$171,943The complete starting cash picture.
Estimated remaining funds due at closing
$171,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,302.78
Your down payment$159,302.78
Closing costs + prepaids$12,640.15
Total buyer cash needed$171,942.94
Remaining funds due$171,942.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$622.75
Prepaid interest, first (12 days)$352.40
Fees + prepaids$12,640.15
Your down payment is the seller’s equity. You take over the $359,697 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $171,942.94 is due at closing. Uses and sources reconcile at $531,640.15 each. Not a Closing Disclosure.