Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$174,233Cash toward the purchase price.
Closing costs + prepaids$13,016Not just lender fees.
Before credits & paid funds$187,249The complete starting cash picture.
Estimated remaining funds due at closing
$187,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,232.68
Your down payment$174,232.68
Closing costs + prepaids$13,016.11
Total buyer cash needed$187,248.79
Remaining funds due$187,248.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$624.00
Prepaid interest, first (10 days)$717.11
Fees + prepaids$13,016.11
Your down payment is the seller’s equity. You take over the $345,767 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $187,248.79 is due at closing. Uses and sources reconcile at $533,016.11 each. Not a Closing Disclosure.