Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$161,243Cash toward the purchase price.
Closing costs + prepaids$12,604Not just lender fees.
Before credits & paid funds$173,847The complete starting cash picture.
Estimated remaining funds due at closing
$173,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,242.86
Your down payment$161,242.86
Closing costs + prepaids$12,603.73
Total buyer cash needed$173,846.58
Remaining funds due$173,846.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$600.00
Prepaid interest, first (9 days)$528.74
Fees + prepaids$12,603.73
Your down payment is the seller’s equity. You take over the $338,756 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $173,846.58 is due at closing. Uses and sources reconcile at $512,602.73 each. Not a Closing Disclosure.