Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$170,212Cash toward the purchase price.
Closing costs + prepaids$10,860Not just lender fees.
Before credits & paid funds$181,071The complete starting cash picture.
Estimated remaining funds due at closing
$181,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,211.69
Your down payment$170,211.69
Closing costs + prepaids$10,859.63
Total buyer cash needed$181,071.32
Remaining funds due$181,071.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$468.00
Prepaid interest, first (12 days)$266.64
Fees + prepaids$10,859.63
Your down payment is the seller’s equity. You take over the $219,787 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $181,071.32 is due at closing. Uses and sources reconcile at $400,858.63 each. Not a Closing Disclosure.