Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$169,188Cash toward the purchase price.
Closing costs + prepaids$11,740Not just lender fees.
Before credits & paid funds$180,928The complete starting cash picture.
Estimated remaining funds due at closing
$180,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,188.06
Your down payment$169,188.06
Closing costs + prepaids$11,740.09
Total buyer cash needed$180,928.15
Remaining funds due$180,928.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$435.25
Prepaid interest, first (30 days)$799.84
Fees + prepaids$11,740.09
Your down payment is the seller’s equity. You take over the $258,812 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $180,928.15 is due at closing. Uses and sources reconcile at $439,740.09 each. Not a Closing Disclosure.