Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$176,510Cash toward the purchase price.
Closing costs + prepaids$13,030Not just lender fees.
Before credits & paid funds$189,540The complete starting cash picture.
Estimated remaining funds due at closing
$189,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,510.02
Your down payment$176,510.02
Closing costs + prepaids$13,029.75
Total buyer cash needed$189,539.77
Remaining funds due$189,539.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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 (10 days)$507.75
Fees + prepaids$13,029.75
Your down payment is the seller’s equity. You take over the $363,390 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $189,539.77 is due at closing. Uses and sources reconcile at $552,929.75 each. Not a Closing Disclosure.