Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$142,919Cash toward the purchase price.
Closing costs + prepaids$13,142Not just lender fees.
Before credits & paid funds$156,060The complete starting cash picture.
Estimated remaining funds due at closing
$156,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,918.58
Your down payment$142,918.58
Closing costs + prepaids$13,141.64
Total buyer cash needed$156,060.22
Remaining funds due$156,060.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.90
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)$637.50
Prepaid interest, first (14 days)$929.24
Fees + prepaids$13,141.64
Your down payment is the seller’s equity. You take over the $367,071 balance, so the rest of the $509,990 price is paid at closing. A second mortgage can cover part of it. $156,060.22 is due at closing. Uses and sources reconcile at $523,131.64 each. Not a Closing Disclosure.