Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$178,556Cash toward the purchase price.
Closing costs + prepaids$14,984Not just lender fees.
Before credits & paid funds$193,540The complete starting cash picture.
Estimated remaining funds due at closing
$193,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,555.81
Your down payment$178,555.81
Closing costs + prepaids$14,984.47
Total buyer cash needed$193,540.27
Remaining funds due$193,540.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,778.25
Prepaid interest, first (27 days)$932.22
Fees + prepaids$14,984.47
Your down payment is the seller’s equity. You take over the $401,344 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $193,540.27 is due at closing. Uses and sources reconcile at $594,884.47 each. Not a Closing Disclosure.