Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$180,500Cash toward the purchase price.
Closing costs + prepaids$18,502Not just lender fees.
Before credits & paid funds$199,002The complete starting cash picture.
Estimated remaining funds due at closing
$199,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,499.78
Your down payment$180,499.78
Closing costs + prepaids$18,502.34
Total buyer cash needed$199,002.12
Remaining funds due$199,002.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,775.00
Prepaid interest, first (24 days)$2,402.34
Fees + prepaids$18,502.34
Your down payment is the seller’s equity. You take over the $529,500 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $199,002.12 is due at closing. Uses and sources reconcile at $728,502.34 each. Not a Closing Disclosure.