Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,162Cash toward the purchase price.
Closing costs + prepaids$9,557Not just lender fees.
Before credits & paid funds$181,719The complete starting cash picture.
Estimated remaining funds due at closing
$181,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,162.07
Your down payment$172,162.07
Closing costs + prepaids$9,557.42
Total buyer cash needed$181,719.49
Remaining funds due$181,719.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$190.00
Prepaid interest, first (28 days)$352.42
Fees + prepaids$9,557.42
Your down payment is the seller’s equity. You take over the $106,838 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $181,719.49 is due at closing. Uses and sources reconcile at $288,557.42 each. Not a Closing Disclosure.