Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$169,825Cash toward the purchase price.
Closing costs + prepaids$12,288Not just lender fees.
Before credits & paid funds$182,114The complete starting cash picture.
Estimated remaining funds due at closing
$182,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,825.46
Your down payment$169,825.46
Closing costs + prepaids$12,288.21
Total buyer cash needed$182,113.68
Remaining funds due$182,113.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,179.00
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)$1,865.25
Prepaid interest, first (1 days)$18.96
Fees + prepaids$12,288.21
Your down payment is the seller’s equity. You take over the $248,075 balance, so the rest of the $417,900 price is paid at closing. A second mortgage can cover part of it. $182,113.68 is due at closing. Uses and sources reconcile at $430,188.21 each. Not a Closing Disclosure.