Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$166,231Cash toward the purchase price.
Closing costs + prepaids$14,839Not just lender fees.
Before credits & paid funds$181,070The complete starting cash picture.
Estimated remaining funds due at closing
$181,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,231.00
Your down payment$166,231.00
Closing costs + prepaids$14,839.32
Total buyer cash needed$181,070.31
Remaining funds due$181,070.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.65
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)$840.00
Prepaid interest, first (12 days)$524.67
Fees + prepaids$14,839.32
Your down payment is the seller’s equity. You take over the $533,734 balance, so the rest of the $699,965 price is paid at closing. A second mortgage can cover part of it. $181,070.31 is due at closing. Uses and sources reconcile at $714,804.32 each. Not a Closing Disclosure.