Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$170,329Cash toward the purchase price.
Closing costs + prepaids$11,774Not just lender fees.
Before credits & paid funds$182,102The complete starting cash picture.
Estimated remaining funds due at closing
$182,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,328.72
Your down payment$170,328.72
Closing costs + prepaids$11,773.51
Total buyer cash needed$182,102.22
Remaining funds due$182,102.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.90
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)$646.25
Initial HOA (3 months)$183.00
Prepaid interest, first (31 days)$569.36
Fees + prepaids$11,773.51
Your down payment is the seller’s equity. You take over the $244,661 balance, so the rest of the $414,990 price is paid at closing. A second mortgage can cover part of it. $182,102.22 is due at closing. Uses and sources reconcile at $426,763.51 each. Not a Closing Disclosure.