Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,214Cash toward the purchase price.
Closing costs + prepaids$12,639Not just lender fees.
Before credits & paid funds$179,854The complete starting cash picture.
Estimated remaining funds due at closing
$179,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,214.10
Your down payment$167,214.10
Closing costs + prepaids$12,639.45
Total buyer cash needed$179,853.55
Remaining funds due$179,853.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$236.50
Prepaid interest, first (1 days)$77.95
Fees + prepaids$12,639.45
Your down payment is the seller’s equity. You take over the $417,786 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $179,853.55 is due at closing. Uses and sources reconcile at $597,639.45 each. Not a Closing Disclosure.