Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$176,561Cash toward the purchase price.
Closing costs + prepaids$13,969Not just lender fees.
Before credits & paid funds$190,530The complete starting cash picture.
Estimated remaining funds due at closing
$190,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,561.27
Your down payment$176,561.27
Closing costs + prepaids$13,969.16
Total buyer cash needed$190,530.43
Remaining funds due$190,530.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$1,149.00
Prepaid interest, first (23 days)$1,396.16
Fees + prepaids$13,969.16
Your down payment is the seller’s equity. You take over the $318,339 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $190,530.43 is due at closing. Uses and sources reconcile at $508,869.16 each. Not a Closing Disclosure.