Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$174,233Cash toward the purchase price.
Closing costs + prepaids$12,944Not just lender fees.
Before credits & paid funds$187,177The complete starting cash picture.
Estimated remaining funds due at closing
$187,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,232.68
Your down payment$174,232.68
Closing costs + prepaids$12,944.40
Total buyer cash needed$187,177.08
Remaining funds due$187,177.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$624.00
Prepaid interest, first (9 days)$645.40
Fees + prepaids$12,944.40
Your down payment is the seller’s equity. You take over the $345,767 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $187,177.08 is due at closing. Uses and sources reconcile at $532,944.40 each. Not a Closing Disclosure.