Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$155,626Cash toward the purchase price.
Closing costs + prepaids$14,172Not just lender fees.
Before credits & paid funds$169,798The complete starting cash picture.
Estimated remaining funds due at closing
$169,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,626.28
Your down payment$155,626.28
Closing costs + prepaids$14,171.62
Total buyer cash needed$169,797.90
Remaining funds due$169,797.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,449.75
Prepaid interest, first (22 days)$1,296.87
Fees + prepaids$14,171.62
Your down payment is the seller’s equity. You take over the $339,374 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $169,797.90 is due at closing. Uses and sources reconcile at $509,171.62 each. Not a Closing Disclosure.