Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$175,215Cash toward the purchase price.
Closing costs + prepaids$14,224Not just lender fees.
Before credits & paid funds$189,439The complete starting cash picture.
Estimated remaining funds due at closing
$189,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,215.33
Your down payment$175,215.33
Closing costs + prepaids$14,224.14
Total buyer cash needed$189,439.47
Remaining funds due$189,439.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$725.00
Prepaid interest, first (17 days)$1,225.14
Fees + prepaids$14,224.14
Your down payment is the seller’s equity. You take over the $404,685 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $189,439.47 is due at closing. Uses and sources reconcile at $594,124.14 each. Not a Closing Disclosure.