Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$179,803Cash toward the purchase price.
Closing costs + prepaids$12,048Not just lender fees.
Before credits & paid funds$191,851The complete starting cash picture.
Estimated remaining funds due at closing
$191,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,802.77
Your down payment$179,802.77
Closing costs + prepaids$12,048.34
Total buyer cash needed$191,851.11
Remaining funds due$191,851.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$1,072.50
Prepaid interest, first (18 days)$460.84
Fees + prepaids$12,048.34
Your down payment is the seller’s equity. You take over the $249,197 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $191,851.11 is due at closing. Uses and sources reconcile at $441,048.34 each. Not a Closing Disclosure.