Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$178,556Cash toward the purchase price.
Closing costs + prepaids$13,384Not just lender fees.
Before credits & paid funds$191,940The complete starting cash picture.
Estimated remaining funds due at closing
$191,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,555.81
Your down payment$178,555.81
Closing costs + prepaids$13,384.32
Total buyer cash needed$191,940.12
Remaining funds due$191,940.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$696.00
Prepaid interest, first (12 days)$414.32
Fees + prepaids$13,384.32
Your down payment is the seller’s equity. You take over the $401,344 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $191,940.12 is due at closing. Uses and sources reconcile at $593,284.32 each. Not a Closing Disclosure.