Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,071Cash toward the purchase price.
Closing costs + prepaids$10,806Not just lender fees.
Before credits & paid funds$179,877The complete starting cash picture.
Estimated remaining funds due at closing
$179,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,070.98
Your down payment$169,070.98
Closing costs + prepaids$10,806.48
Total buyer cash needed$179,877.46
Remaining funds due$179,877.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,339.99
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)$275.75
Initial HOA (3 months)$312.99
Prepaid interest, first (31 days)$652.75
Fees + prepaids$10,806.48
Your down payment is the seller’s equity. You take over the $164,928 balance, so the rest of the $333,999 price is paid at closing. A second mortgage can cover part of it. $179,877.46 is due at closing. Uses and sources reconcile at $344,805.48 each. Not a Closing Disclosure.