Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$146,920Cash toward the purchase price.
Closing costs + prepaids$13,076Not just lender fees.
Before credits & paid funds$159,996The complete starting cash picture.
Estimated remaining funds due at closing
$159,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,919.98
Your down payment$146,919.98
Closing costs + prepaids$13,076.08
Total buyer cash needed$159,996.06
Remaining funds due$159,996.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$470.75
Prepaid interest, first (19 days)$831.33
Fees + prepaids$13,076.08
Your down payment is the seller’s equity. You take over the $382,980 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $159,996.06 is due at closing. Uses and sources reconcile at $542,976.08 each. Not a Closing Disclosure.