Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,625Cash toward the purchase price.
Closing costs + prepaids$11,763Not just lender fees.
Before credits & paid funds$180,388The complete starting cash picture.
Estimated remaining funds due at closing
$180,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,624.83
Your down payment$168,624.83
Closing costs + prepaids$11,762.89
Total buyer cash needed$180,387.72
Remaining funds due$180,387.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$453.50
Prepaid interest, first (1 days)$44.39
Fees + prepaids$11,762.89
Your down payment is the seller’s equity. You take over the $310,375 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $180,387.72 is due at closing. Uses and sources reconcile at $490,762.89 each. Not a Closing Disclosure.