Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$170,450Cash toward the purchase price.
Closing costs + prepaids$16,956Not just lender fees.
Before credits & paid funds$187,407The complete starting cash picture.
Estimated remaining funds due at closing
$187,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,450.37
Your down payment$170,450.37
Closing costs + prepaids$16,956.39
Total buyer cash needed$187,406.75
Remaining funds due$187,406.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,848.91
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)$1,617.00
Prepaid interest, first (22 days)$2,015.48
Fees + prepaids$16,956.39
Your down payment is the seller’s equity. You take over the $514,441 balance, so the rest of the $684,891 price is paid at closing. A second mortgage can cover part of it. $187,406.75 is due at closing. Uses and sources reconcile at $701,847.39 each. Not a Closing Disclosure.