Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$175,632Cash toward the purchase price.
Closing costs + prepaids$11,371Not just lender fees.
Before credits & paid funds$187,002The complete starting cash picture.
Estimated remaining funds due at closing
$187,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,631.54
Your down payment$175,631.54
Closing costs + prepaids$11,370.93
Total buyer cash needed$187,002.47
Remaining funds due$187,002.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$342.25
Prepaid interest, first (20 days)$513.68
Fees + prepaids$11,370.93
Your down payment is the seller’s equity. You take over the $253,368 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $187,002.47 is due at closing. Uses and sources reconcile at $440,370.93 each. Not a Closing Disclosure.