Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$165,990Cash toward the purchase price.
Closing costs + prepaids$17,473Not just lender fees.
Before credits & paid funds$183,463The complete starting cash picture.
Estimated remaining funds due at closing
$183,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,990.38
Your down payment$165,990.38
Closing costs + prepaids$17,472.62
Total buyer cash needed$183,463.00
Remaining funds due$183,463.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,799.00
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)$1,699.75
Prepaid interest, first (29 days)$2,498.87
Fees + prepaids$17,472.62
Your down payment is the seller’s equity. You take over the $513,910 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $183,463.00 is due at closing. Uses and sources reconcile at $697,372.62 each. Not a Closing Disclosure.