Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$180,938Cash toward the purchase price.
Closing costs + prepaids$13,430Not just lender fees.
Before credits & paid funds$194,368The complete starting cash picture.
Estimated remaining funds due at closing
$194,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,938.16
Your down payment$180,938.16
Closing costs + prepaids$13,430.08
Total buyer cash needed$194,368.25
Remaining funds due$194,368.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,431.11
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)$651.75
Initial HOA (3 months)$324.00
Prepaid interest, first (17 days)$548.22
Fees + prepaids$13,430.08
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $543,111 price is paid at closing. A second mortgage can cover part of it. $194,368.25 is due at closing. Uses and sources reconcile at $556,541.08 each. Not a Closing Disclosure.