Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$179,548Cash toward the purchase price.
Closing costs + prepaids$13,494Not just lender fees.
Before credits & paid funds$193,043The complete starting cash picture.
Estimated remaining funds due at closing
$193,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,548.40
Your down payment$179,548.40
Closing costs + prepaids$13,494.36
Total buyer cash needed$193,042.75
Remaining funds due$193,042.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,049.00
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)$1,262.25
Prepaid interest, first (24 days)$708.11
Fees + prepaids$13,494.36
Your down payment is the seller’s equity. You take over the $325,352 balance, so the rest of the $504,900 price is paid at closing. A second mortgage can cover part of it. $193,042.75 is due at closing. Uses and sources reconcile at $518,394.36 each. Not a Closing Disclosure.