Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$152,146Cash toward the purchase price.
Closing costs + prepaids$17,587Not just lender fees.
Before credits & paid funds$169,733The complete starting cash picture.
Estimated remaining funds due at closing
$169,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,145.79
Your down payment$152,145.79
Closing costs + prepaids$17,586.86
Total buyer cash needed$169,732.65
Remaining funds due$169,732.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,933.33
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)$1,733.25
Prepaid interest, first (28 days)$2,445.28
Fees + prepaids$17,586.86
Your down payment is the seller’s equity. You take over the $541,187 balance, so the rest of the $693,333 price is paid at closing. A second mortgage can cover part of it. $169,732.65 is due at closing. Uses and sources reconcile at $710,919.86 each. Not a Closing Disclosure.