Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,282Cash toward the purchase price.
Closing costs + prepaids$16,161Not just lender fees.
Before credits & paid funds$182,443The complete starting cash picture.
Estimated remaining funds due at closing
$182,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,282.38
Your down payment$166,282.38
Closing costs + prepaids$16,160.72
Total buyer cash needed$182,443.11
Remaining funds due$182,443.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$2,780.50
Prepaid interest, first (26 days)$905.22
Fees + prepaids$16,160.72
Your down payment is the seller’s equity. You take over the $433,718 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $182,443.11 is due at closing. Uses and sources reconcile at $616,160.72 each. Not a Closing Disclosure.