Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$162,714Cash toward the purchase price.
Closing costs + prepaids$13,564Not just lender fees.
Before credits & paid funds$176,278The complete starting cash picture.
Estimated remaining funds due at closing
$176,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,713.97
Your down payment$162,713.97
Closing costs + prepaids$13,563.67
Total buyer cash needed$176,277.65
Remaining funds due$176,277.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$642.00
Initial HOA (3 months)$306.00
Prepaid interest, first (12 days)$790.67
Fees + prepaids$13,563.67
Your down payment is the seller’s equity. You take over the $372,286 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $176,277.65 is due at closing. Uses and sources reconcile at $548,563.67 each. Not a Closing Disclosure.