Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$182,130Cash toward the purchase price.
Closing costs + prepaids$11,467Not just lender fees.
Before credits & paid funds$193,597The complete starting cash picture.
Estimated remaining funds due at closing
$193,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,130.25
Your down payment$182,130.25
Closing costs + prepaids$11,466.57
Total buyer cash needed$193,596.82
Remaining funds due$193,596.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$432.50
Prepaid interest, first (26 days)$510.07
Fees + prepaids$11,466.57
Your down payment is the seller’s equity. You take over the $247,770 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $193,596.82 is due at closing. Uses and sources reconcile at $441,366.57 each. Not a Closing Disclosure.