Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,805Cash toward the purchase price.
Closing costs + prepaids$11,920Not just lender fees.
Before credits & paid funds$192,725The complete starting cash picture.
Estimated remaining funds due at closing
$192,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,805.12
Your down payment$180,805.12
Closing costs + prepaids$11,920.32
Total buyer cash needed$192,725.44
Remaining funds due$192,725.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$835.75
Prepaid interest, first (27 days)$509.57
Fees + prepaids$11,920.32
Your down payment is the seller’s equity. You take over the $254,195 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $192,725.44 is due at closing. Uses and sources reconcile at $446,920.32 each. Not a Closing Disclosure.