Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,819Cash toward the purchase price.
Closing costs + prepaids$13,842Not just lender fees.
Before credits & paid funds$194,661The complete starting cash picture.
Estimated remaining funds due at closing
$194,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,818.53
Your down payment$180,818.53
Closing costs + prepaids$13,842.38
Total buyer cash needed$194,660.91
Remaining funds due$194,660.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,180.00
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)$1,295.00
Prepaid interest, first (28 days)$892.38
Fees + prepaids$13,842.38
Your down payment is the seller’s equity. You take over the $337,181 balance, so the rest of the $518,000 price is paid at closing. A second mortgage can cover part of it. $194,660.91 is due at closing. Uses and sources reconcile at $531,842.38 each. Not a Closing Disclosure.