Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$167,786Cash toward the purchase price.
Closing costs + prepaids$11,913Not just lender fees.
Before credits & paid funds$179,699The complete starting cash picture.
Estimated remaining funds due at closing
$179,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,786.41
Your down payment$167,786.41
Closing costs + prepaids$11,912.77
Total buyer cash needed$179,699.17
Remaining funds due$179,699.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,959.99
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)$622.75
Initial HOA (3 months)$384.00
Prepaid interest, first (31 days)$721.03
Fees + prepaids$11,912.77
Your down payment is the seller’s equity. You take over the $228,213 balance, so the rest of the $395,999 price is paid at closing. A second mortgage can cover part of it. $179,699.17 is due at closing. Uses and sources reconcile at $407,911.77 each. Not a Closing Disclosure.