Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$163,681Cash toward the purchase price.
Closing costs + prepaids$12,894Not just lender fees.
Before credits & paid funds$176,575The complete starting cash picture.
Estimated remaining funds due at closing
$176,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,680.70
Your down payment$163,680.70
Closing costs + prepaids$12,894.16
Total buyer cash needed$176,574.87
Remaining funds due$176,574.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$648.00
Prepaid interest, first (12 days)$371.16
Fees + prepaids$12,894.16
Your down payment is the seller’s equity. You take over the $376,319 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $176,574.87 is due at closing. Uses and sources reconcile at $552,894.16 each. Not a Closing Disclosure.