Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$161,808Cash toward the purchase price.
Closing costs + prepaids$11,585Not just lender fees.
Before credits & paid funds$173,393The complete starting cash picture.
Estimated remaining funds due at closing
$173,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,807.97
Your down payment$161,807.97
Closing costs + prepaids$11,585.22
Total buyer cash needed$173,393.20
Remaining funds due$173,393.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$1,062.50
Prepaid interest, first (2 days)$47.73
Fees + prepaids$11,585.22
Your down payment is the seller’s equity. You take over the $263,191 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $173,393.20 is due at closing. Uses and sources reconcile at $436,584.22 each. Not a Closing Disclosure.