Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$184,523Cash toward the purchase price.
Closing costs + prepaids$12,746Not just lender fees.
Before credits & paid funds$197,269The complete starting cash picture.
Estimated remaining funds due at closing
$197,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,523.05
Your down payment$184,523.05
Closing costs + prepaids$12,746.09
Total buyer cash needed$197,269.14
Remaining funds due$197,269.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,120.00
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)$614.50
Initial HOA (3 months)$135.00
Prepaid interest, first (12 days)$401.59
Fees + prepaids$12,746.09
Your down payment is the seller’s equity. You take over the $327,477 balance, so the rest of the $512,000 price is paid at closing. A second mortgage can cover part of it. $197,269.14 is due at closing. Uses and sources reconcile at $524,746.09 each. Not a Closing Disclosure.