Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$169,454Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$181,090The complete starting cash picture.
Estimated remaining funds due at closing
$181,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,453.60
Your down payment$169,453.60
Closing costs + prepaids$11,636.31
Total buyer cash needed$181,089.92
Remaining funds due$181,089.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$357.75
Prepaid interest, first (1 days)$54.56
Fees + prepaids$11,636.31
Your down payment is the seller’s equity. You take over the $305,446 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $181,089.92 is due at closing. Uses and sources reconcile at $486,536.31 each. Not a Closing Disclosure.