Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,911Cash toward the purchase price.
Closing costs + prepaids$16,893Not just lender fees.
Before credits & paid funds$184,804The complete starting cash picture.
Estimated remaining funds due at closing
$184,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,910.87
Your down payment$167,910.87
Closing costs + prepaids$16,892.66
Total buyer cash needed$184,803.53
Remaining funds due$184,803.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,510.00
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)$1,806.00
Initial HOA (3 months)$118.74
Prepaid interest, first (2 days)$232.92
Fees + prepaids$16,892.66
Your down payment is the seller’s equity. You take over the $583,089 balance, so the rest of the $751,000 price is paid at closing. A second mortgage can cover part of it. $184,803.53 is due at closing. Uses and sources reconcile at $767,892.66 each. Not a Closing Disclosure.