Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$171,993Cash toward the purchase price.
Closing costs + prepaids$12,273Not just lender fees.
Before credits & paid funds$184,266The complete starting cash picture.
Estimated remaining funds due at closing
$184,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,992.69
Your down payment$171,992.69
Closing costs + prepaids$12,272.85
Total buyer cash needed$184,265.54
Remaining funds due$184,265.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$499.25
Prepaid interest, first (1 days)$49.60
Fees + prepaids$12,272.85
Your down payment is the seller’s equity. You take over the $352,907 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $184,265.54 is due at closing. Uses and sources reconcile at $537,172.85 each. Not a Closing Disclosure.