Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$165,838Cash toward the purchase price.
Closing costs + prepaids$13,083Not just lender fees.
Before credits & paid funds$178,921The complete starting cash picture.
Estimated remaining funds due at closing
$178,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,837.70
Your down payment$165,837.70
Closing costs + prepaids$13,083.38
Total buyer cash needed$178,921.08
Remaining funds due$178,921.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$709.63
Fees + prepaids$13,083.38
Your down payment is the seller’s equity. You take over the $299,162 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $178,921.08 is due at closing. Uses and sources reconcile at $478,083.38 each. Not a Closing Disclosure.