Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$169,635Cash toward the purchase price.
Closing costs + prepaids$12,351Not just lender fees.
Before credits & paid funds$181,987The complete starting cash picture.
Estimated remaining funds due at closing
$181,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,635.11
Your down payment$169,635.11
Closing costs + prepaids$12,351.47
Total buyer cash needed$181,986.58
Remaining funds due$181,986.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,408.88
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)$1,102.25
Prepaid interest, first (24 days)$615.34
Fees + prepaids$12,351.47
Your down payment is the seller’s equity. You take over the $271,253 balance, so the rest of the $440,888 price is paid at closing. A second mortgage can cover part of it. $181,986.58 is due at closing. Uses and sources reconcile at $453,239.47 each. Not a Closing Disclosure.