Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$168,390Cash toward the purchase price.
Closing costs + prepaids$16,562Not just lender fees.
Before credits & paid funds$184,951The complete starting cash picture.
Estimated remaining funds due at closing
$184,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,389.60
Your down payment$168,389.60
Closing costs + prepaids$16,561.88
Total buyer cash needed$184,951.48
Remaining funds due$184,951.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,199.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$864.00
Initial HOA (3 months)$126.75
Prepaid interest, first (12 days)$1,146.14
Fees + prepaids$16,561.88
Your down payment is the seller’s equity. You take over the $551,609 balance, so the rest of the $719,999 price is paid at closing. A second mortgage can cover part of it. $184,951.48 is due at closing. Uses and sources reconcile at $736,560.88 each. Not a Closing Disclosure.