Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$151,392Cash toward the purchase price.
Closing costs + prepaids$13,354Not just lender fees.
Before credits & paid funds$164,746The complete starting cash picture.
Estimated remaining funds due at closing
$164,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,391.53
Your down payment$151,391.53
Closing costs + prepaids$13,354.05
Total buyer cash needed$164,745.57
Remaining funds due$164,745.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
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)$633.50
Initial HOA (3 months)$106.26
Prepaid interest, first (12 days)$859.29
Fees + prepaids$13,354.05
Your down payment is the seller’s equity. You take over the $376,608 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $164,745.57 is due at closing. Uses and sources reconcile at $541,354.05 each. Not a Closing Disclosure.