Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,283Cash toward the purchase price.
Closing costs + prepaids$14,688Not just lender fees.
Before credits & paid funds$182,971The complete starting cash picture.
Estimated remaining funds due at closing
$182,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,283.03
Your down payment$168,283.03
Closing costs + prepaids$14,687.91
Total buyer cash needed$182,970.94
Remaining funds due$182,970.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.99
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)$855.00
Prepaid interest, first (26 days)$1,607.92
Fees + prepaids$14,687.91
Your down payment is the seller’s equity. You take over the $406,716 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $182,970.94 is due at closing. Uses and sources reconcile at $589,686.91 each. Not a Closing Disclosure.