Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$180,938Cash toward the purchase price.
Closing costs + prepaids$12,897Not just lender fees.
Before credits & paid funds$193,835The complete starting cash picture.
Estimated remaining funds due at closing
$193,835No 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$12,896.83
Total buyer cash needed$193,834.99
Remaining funds due$193,834.99
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)$54.00
Initial HOA (3 months)$324.00
Prepaid interest, first (19 days)$612.72
Fees + prepaids$12,896.83
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. $193,834.99 is due at closing. Uses and sources reconcile at $556,007.83 each. Not a Closing Disclosure.