Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$168,454Cash toward the purchase price.
Closing costs + prepaids$11,361Not just lender fees.
Before credits & paid funds$179,815The complete starting cash picture.
Estimated remaining funds due at closing
$179,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,454.10
Your down payment$168,454.10
Closing costs + prepaids$11,360.97
Total buyer cash needed$179,815.06
Remaining funds due$179,815.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,320.00
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)$540.00
Prepaid interest, first (13 days)$275.97
Fees + prepaids$11,360.97
Your down payment is the seller’s equity. You take over the $263,546 balance, so the rest of the $432,000 price is paid at closing. A second mortgage can cover part of it. $179,815.06 is due at closing. Uses and sources reconcile at $443,360.97 each. Not a Closing Disclosure.