Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,214Cash toward the purchase price.
Closing costs + prepaids$12,717Not just lender fees.
Before credits & paid funds$179,932The complete starting cash picture.
Estimated remaining funds due at closing
$179,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,214.10
Your down payment$167,214.10
Closing costs + prepaids$12,717.40
Total buyer cash needed$179,931.50
Remaining funds due$179,931.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$236.50
Prepaid interest, first (2 days)$155.90
Fees + prepaids$12,717.40
Your down payment is the seller’s equity. You take over the $417,786 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $179,931.50 is due at closing. Uses and sources reconcile at $597,717.40 each. Not a Closing Disclosure.