Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$170,846Cash toward the purchase price.
Closing costs + prepaids$13,728Not just lender fees.
Before credits & paid funds$184,574The complete starting cash picture.
Estimated remaining funds due at closing
$184,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,845.84
Your down payment$170,845.84
Closing costs + prepaids$13,727.69
Total buyer cash needed$184,573.53
Remaining funds due$184,573.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$634.75
Initial HOA (3 months)$990.00
Prepaid interest, first (12 days)$337.94
Fees + prepaids$13,727.69
Your down payment is the seller’s equity. You take over the $358,154 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $184,573.53 is due at closing. Uses and sources reconcile at $542,727.69 each. Not a Closing Disclosure.