Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$165,692Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$176,826The complete starting cash picture.
Estimated remaining funds due at closing
$176,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,692.03
Your down payment$165,692.03
Closing costs + prepaids$11,133.92
Total buyer cash needed$176,825.95
Remaining funds due$176,825.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Prepaid interest, first (10 days)$260.92
Fees + prepaids$11,133.92
Your down payment is the seller’s equity. You take over the $249,308 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $176,825.95 is due at closing. Uses and sources reconcile at $426,133.92 each. Not a Closing Disclosure.