Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$166,971Cash toward the purchase price.
Closing costs + prepaids$15,807Not just lender fees.
Before credits & paid funds$182,778The complete starting cash picture.
Estimated remaining funds due at closing
$182,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,970.74
Your down payment$166,970.74
Closing costs + prepaids$15,807.24
Total buyer cash needed$182,777.99
Remaining funds due$182,777.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,349.99
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)$940.00
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$1,952.25
Fees + prepaids$15,807.24
Your down payment is the seller’s equity. You take over the $468,028 balance, so the rest of the $634,999 price is paid at closing. A second mortgage can cover part of it. $182,777.99 is due at closing. Uses and sources reconcile at $650,806.24 each. Not a Closing Disclosure.