Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$167,786Cash toward the purchase price.
Closing costs + prepaids$13,473Not just lender fees.
Before credits & paid funds$181,259The complete starting cash picture.
Estimated remaining funds due at closing
$181,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,785.65
Your down payment$167,785.65
Closing costs + prepaids$13,472.86
Total buyer cash needed$181,258.51
Remaining funds due$181,258.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,525.00
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)$663.00
Initial HOA (3 months)$75.00
Prepaid interest, first (12 days)$734.86
Fees + prepaids$13,472.86
Your down payment is the seller’s equity. You take over the $384,714 balance, so the rest of the $552,500 price is paid at closing. A second mortgage can cover part of it. $181,258.51 is due at closing. Uses and sources reconcile at $565,972.86 each. Not a Closing Disclosure.