Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$167,414Cash toward the purchase price.
Closing costs + prepaids$16,138Not just lender fees.
Before credits & paid funds$183,552The complete starting cash picture.
Estimated remaining funds due at closing
$183,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,413.79
Your down payment$167,413.79
Closing costs + prepaids$16,138.21
Total buyer cash needed$183,552.00
Remaining funds due$183,552.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,499.00
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)$1,624.75
Prepaid interest, first (18 days)$1,539.46
Fees + prepaids$16,138.21
Your down payment is the seller’s equity. You take over the $482,486 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $183,552.00 is due at closing. Uses and sources reconcile at $666,038.21 each. Not a Closing Disclosure.