Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$167,841Cash toward the purchase price.
Closing costs + prepaids$11,744Not just lender fees.
Before credits & paid funds$179,585The complete starting cash picture.
Estimated remaining funds due at closing
$179,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,840.89
Your down payment$167,840.89
Closing costs + prepaids$11,743.76
Total buyer cash needed$179,584.66
Remaining funds due$179,584.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$549.00
Prepaid interest, first (25 days)$669.76
Fees + prepaids$11,743.76
Your down payment is the seller’s equity. You take over the $262,159 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $179,584.66 is due at closing. Uses and sources reconcile at $441,743.76 each. Not a Closing Disclosure.