Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,915Cash toward the purchase price.
Closing costs + prepaids$13,260Not just lender fees.
Before credits & paid funds$193,175The complete starting cash picture.
Estimated remaining funds due at closing
$193,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,914.86
Your down payment$179,914.86
Closing costs + prepaids$13,259.97
Total buyer cash needed$193,174.83
Remaining funds due$193,174.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$1,248.75
Prepaid interest, first (26 days)$737.22
Fees + prepaids$13,259.97
Your down payment is the seller’s equity. You take over the $299,985 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $193,174.83 is due at closing. Uses and sources reconcile at $493,159.97 each. Not a Closing Disclosure.