Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$165,838Cash toward the purchase price.
Closing costs + prepaids$12,011Not just lender fees.
Before credits & paid funds$177,848The complete starting cash picture.
Estimated remaining funds due at closing
$177,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,837.70
Your down payment$165,837.70
Closing costs + prepaids$12,010.52
Total buyer cash needed$177,848.22
Remaining funds due$177,848.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Prepaid interest, first (12 days)$327.52
Fees + prepaids$12,010.52
Your down payment is the seller’s equity. You take over the $299,162 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $177,848.22 is due at closing. Uses and sources reconcile at $477,010.52 each. Not a Closing Disclosure.