Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$159,687Cash toward the purchase price.
Closing costs + prepaids$16,578Not just lender fees.
Before credits & paid funds$176,265The complete starting cash picture.
Estimated remaining funds due at closing
$176,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,686.98
Your down payment$159,686.98
Closing costs + prepaids$16,577.93
Total buyer cash needed$176,264.91
Remaining funds due$176,264.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,708.88
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)$1,677.25
Prepaid interest, first (18 days)$1,716.80
Fees + prepaids$16,577.93
Your down payment is the seller’s equity. You take over the $511,201 balance, so the rest of the $670,888 price is paid at closing. A second mortgage can cover part of it. $176,264.91 is due at closing. Uses and sources reconcile at $687,465.93 each. Not a Closing Disclosure.