Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$172,697Cash toward the purchase price.
Closing costs + prepaids$11,385Not just lender fees.
Before credits & paid funds$184,081The complete starting cash picture.
Estimated remaining funds due at closing
$184,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,696.58
Your down payment$172,696.58
Closing costs + prepaids$11,384.89
Total buyer cash needed$184,081.47
Remaining funds due$184,081.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$208.50
Prepaid interest, first (21 days)$451.49
Fees + prepaids$11,384.89
Your down payment is the seller’s equity. You take over the $277,293 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $184,081.47 is due at closing. Uses and sources reconcile at $461,374.89 each. Not a Closing Disclosure.