Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$175,646Cash toward the purchase price.
Closing costs + prepaids$17,244Not just lender fees.
Before credits & paid funds$192,890The complete starting cash picture.
Estimated remaining funds due at closing
$192,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,645.85
Your down payment$175,645.85
Closing costs + prepaids$17,243.78
Total buyer cash needed$192,889.63
Remaining funds due$192,889.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$918.75
Initial HOA (3 months)$399.00
Prepaid interest, first (16 days)$1,351.03
Fees + prepaids$17,243.78
Your down payment is the seller’s equity. You take over the $559,354 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $192,889.63 is due at closing. Uses and sources reconcile at $752,243.78 each. Not a Closing Disclosure.