Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,036Cash toward the purchase price.
Closing costs + prepaids$11,988Not just lender fees.
Before credits & paid funds$192,024The complete starting cash picture.
Estimated remaining funds due at closing
$192,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,035.79
Your down payment$180,035.79
Closing costs + prepaids$11,987.91
Total buyer cash needed$192,023.70
Remaining funds due$192,023.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$1,025.00
Prepaid interest, first (27 days)$637.91
Fees + prepaids$11,987.91
Your down payment is the seller’s equity. You take over the $229,964 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $192,023.70 is due at closing. Uses and sources reconcile at $421,987.91 each. Not a Closing Disclosure.