Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$181,025Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$192,320The complete starting cash picture.
Estimated remaining funds due at closing
$192,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,024.80
Your down payment$181,024.80
Closing costs + prepaids$11,295.69
Total buyer cash needed$192,320.49
Remaining funds due$192,320.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$516.00
Prepaid interest, first (10 days)$255.69
Fees + prepaids$11,295.69
Your down payment is the seller’s equity. You take over the $248,875 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $192,320.49 is due at closing. Uses and sources reconcile at $441,195.69 each. Not a Closing Disclosure.