Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$165,801Cash toward the purchase price.
Closing costs + prepaids$14,242Not just lender fees.
Before credits & paid funds$180,043The complete starting cash picture.
Estimated remaining funds due at closing
$180,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,800.70
Your down payment$165,800.70
Closing costs + prepaids$14,242.08
Total buyer cash needed$180,042.79
Remaining funds due$180,042.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$750.00
Prepaid interest, first (18 days)$1,017.09
Fees + prepaids$14,242.08
Your down payment is the seller’s equity. You take over the $434,198 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $180,042.79 is due at closing. Uses and sources reconcile at $614,241.08 each. Not a Closing Disclosure.