Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$179,066Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$192,702The complete starting cash picture.
Estimated remaining funds due at closing
$192,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,066.36
Your down payment$179,066.36
Closing costs + prepaids$13,636.10
Total buyer cash needed$192,702.46
Remaining funds due$192,702.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,120.00
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)$1,280.00
Prepaid interest, first (28 days)$761.10
Fees + prepaids$13,636.10
Your down payment is the seller’s equity. You take over the $332,934 balance, so the rest of the $512,000 price is paid at closing. A second mortgage can cover part of it. $192,702.46 is due at closing. Uses and sources reconcile at $525,636.10 each. Not a Closing Disclosure.