Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$177,063Cash toward the purchase price.
Closing costs + prepaids$15,869Not just lender fees.
Before credits & paid funds$192,932The complete starting cash picture.
Estimated remaining funds due at closing
$192,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,063.33
Your down payment$177,063.33
Closing costs + prepaids$15,868.73
Total buyer cash needed$192,932.06
Remaining funds due$192,932.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$757.25
Prepaid interest, first (25 days)$2,137.48
Fees + prepaids$15,868.73
Your down payment is the seller’s equity. You take over the $472,837 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $192,932.06 is due at closing. Uses and sources reconcile at $665,768.73 each. Not a Closing Disclosure.