Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,312Cash toward the purchase price.
Closing costs + prepaids$10,818Not just lender fees.
Before credits & paid funds$178,130The complete starting cash picture.
Estimated remaining funds due at closing
$178,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,311.59
Your down payment$167,311.59
Closing costs + prepaids$10,818.21
Total buyer cash needed$178,129.80
Remaining funds due$178,129.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$321.75
Prepaid interest, first (1 days)$21.46
Fees + prepaids$10,818.21
Your down payment is the seller’s equity. You take over the $257,688 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $178,129.80 is due at closing. Uses and sources reconcile at $435,818.21 each. Not a Closing Disclosure.