Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,552Cash toward the purchase price.
Closing costs + prepaids$11,982Not just lender fees.
Before credits & paid funds$184,534The complete starting cash picture.
Estimated remaining funds due at closing
$184,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,552.50
Your down payment$172,552.50
Closing costs + prepaids$11,981.83
Total buyer cash needed$184,534.32
Remaining funds due$184,534.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,050.00
Prepaid interest, first (28 days)$506.83
Fees + prepaids$11,981.83
Your down payment is the seller’s equity. You take over the $247,448 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $184,534.32 is due at closing. Uses and sources reconcile at $431,981.83 each. Not a Closing Disclosure.