Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$161,202Cash toward the purchase price.
Closing costs + prepaids$18,349Not just lender fees.
Before credits & paid funds$179,551The complete starting cash picture.
Estimated remaining funds due at closing
$179,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,202.08
Your down payment$161,202.08
Closing costs + prepaids$18,349.27
Total buyer cash needed$179,551.35
Remaining funds due$179,551.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Initial HOA (3 months)$1,620.00
Prepaid interest, first (30 days)$2,129.28
Fees + prepaids$18,349.27
Your down payment is the seller’s equity. You take over the $488,797 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $179,551.35 is due at closing. Uses and sources reconcile at $668,348.27 each. Not a Closing Disclosure.