Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$156,949Cash toward the purchase price.
Closing costs + prepaids$13,217Not just lender fees.
Before credits & paid funds$170,167The complete starting cash picture.
Estimated remaining funds due at closing
$170,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,949.28
Your down payment$156,949.28
Closing costs + prepaids$13,217.23
Total buyer cash needed$170,166.51
Remaining funds due$170,166.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.89
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)$629.00
Initial HOA (3 months)$471.00
Prepaid interest, first (10 days)$401.34
Fees + prepaids$13,217.23
Your down payment is the seller’s equity. You take over the $367,140 balance, so the rest of the $524,089 price is paid at closing. A second mortgage can cover part of it. $170,166.51 is due at closing. Uses and sources reconcile at $537,306.23 each. Not a Closing Disclosure.