Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$179,627Cash toward the purchase price.
Closing costs + prepaids$12,626Not just lender fees.
Before credits & paid funds$192,253The complete starting cash picture.
Estimated remaining funds due at closing
$192,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,626.85
Your down payment$179,626.85
Closing costs + prepaids$12,625.75
Total buyer cash needed$192,252.60
Remaining funds due$192,252.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,050.00
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)$606.00
Prepaid interest, first (10 days)$494.75
Fees + prepaids$12,625.75
Your down payment is the seller’s equity. You take over the $325,373 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $192,252.60 is due at closing. Uses and sources reconcile at $517,625.75 each. Not a Closing Disclosure.