Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$166,142Cash toward the purchase price.
Closing costs + prepaids$12,994Not just lender fees.
Before credits & paid funds$179,136The complete starting cash picture.
Estimated remaining funds due at closing
$179,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,141.60
Your down payment$166,141.60
Closing costs + prepaids$12,993.95
Total buyer cash needed$179,135.55
Remaining funds due$179,135.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,037.75
Prepaid interest, first (28 days)$691.20
Fees + prepaids$12,993.95
Your down payment is the seller’s equity. You take over the $312,858 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $179,135.55 is due at closing. Uses and sources reconcile at $491,993.95 each. Not a Closing Disclosure.