Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$166,776Cash toward the purchase price.
Closing costs + prepaids$19,506Not just lender fees.
Before credits & paid funds$186,282The complete starting cash picture.
Estimated remaining funds due at closing
$186,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,775.69
Your down payment$166,775.69
Closing costs + prepaids$19,506.20
Total buyer cash needed$186,281.89
Remaining funds due$186,281.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,498.88
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)$1,874.75
Prepaid interest, first (28 days)$2,907.57
Fees + prepaids$19,506.20
Your down payment is the seller’s equity. You take over the $583,112 balance, so the rest of the $749,888 price is paid at closing. A second mortgage can cover part of it. $186,281.89 is due at closing. Uses and sources reconcile at $769,394.20 each. Not a Closing Disclosure.