Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$169,732Cash toward the purchase price.
Closing costs + prepaids$12,836Not just lender fees.
Before credits & paid funds$182,568The complete starting cash picture.
Estimated remaining funds due at closing
$182,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,732.16
Your down payment$169,732.16
Closing costs + prepaids$12,835.53
Total buyer cash needed$182,567.69
Remaining funds due$182,567.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$357.75
Prepaid interest, first (23 days)$1,253.78
Fees + prepaids$12,835.53
Your down payment is the seller’s equity. You take over the $305,168 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $182,567.69 is due at closing. Uses and sources reconcile at $487,735.53 each. Not a Closing Disclosure.