Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$160,639Cash toward the purchase price.
Closing costs + prepaids$13,353Not just lender fees.
Before credits & paid funds$173,992The complete starting cash picture.
Estimated remaining funds due at closing
$173,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,638.66
Your down payment$160,638.66
Closing costs + prepaids$13,352.93
Total buyer cash needed$173,991.59
Remaining funds due$173,991.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,225.00
Prepaid interest, first (28 days)$752.93
Fees + prepaids$13,352.93
Your down payment is the seller’s equity. You take over the $329,361 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $173,991.59 is due at closing. Uses and sources reconcile at $503,352.93 each. Not a Closing Disclosure.