Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$172,028Cash toward the purchase price.
Closing costs + prepaids$10,955Not just lender fees.
Before credits & paid funds$182,983The complete starting cash picture.
Estimated remaining funds due at closing
$182,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,027.69
Your down payment$172,027.69
Closing costs + prepaids$10,954.95
Total buyer cash needed$182,982.65
Remaining funds due$182,982.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$208.50
Prepaid interest, first (1 days)$21.55
Fees + prepaids$10,954.95
Your down payment is the seller’s equity. You take over the $277,962 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $182,982.65 is due at closing. Uses and sources reconcile at $460,944.95 each. Not a Closing Disclosure.