Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$176,187Cash toward the purchase price.
Closing costs + prepaids$16,753Not just lender fees.
Before credits & paid funds$192,940The complete starting cash picture.
Estimated remaining funds due at closing
$192,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,186.86
Your down payment$176,186.86
Closing costs + prepaids$16,753.11
Total buyer cash needed$192,939.97
Remaining funds due$192,939.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Prepaid interest, first (26 days)$2,165.61
Fees + prepaids$16,753.11
Your down payment is the seller’s equity. You take over the $472,813 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $192,939.97 is due at closing. Uses and sources reconcile at $665,753.11 each. Not a Closing Disclosure.