Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$167,440Cash toward the purchase price.
Closing costs + prepaids$17,123Not just lender fees.
Before credits & paid funds$184,563The complete starting cash picture.
Estimated remaining funds due at closing
$184,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,439.82
Your down payment$167,439.82
Closing costs + prepaids$17,122.78
Total buyer cash needed$184,562.60
Remaining funds due$184,562.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
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)$1,625.00
Prepaid interest, first (29 days)$2,522.79
Fees + prepaids$17,122.78
Your down payment is the seller’s equity. You take over the $482,559 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $184,562.60 is due at closing. Uses and sources reconcile at $667,121.78 each. Not a Closing Disclosure.