Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$172,534Cash toward the purchase price.
Closing costs + prepaids$12,849Not just lender fees.
Before credits & paid funds$185,384The complete starting cash picture.
Estimated remaining funds due at closing
$185,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,534.47
Your down payment$172,534.47
Closing costs + prepaids$12,849.24
Total buyer cash needed$185,383.72
Remaining funds due$185,383.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$630.00
Prepaid interest, first (10 days)$495.24
Fees + prepaids$12,849.24
Your down payment is the seller’s equity. You take over the $352,366 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $185,383.72 is due at closing. Uses and sources reconcile at $537,749.24 each. Not a Closing Disclosure.