Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$155,442Cash toward the purchase price.
Closing costs + prepaids$9,555Not just lender fees.
Before credits & paid funds$164,997The complete starting cash picture.
Estimated remaining funds due at closing
$164,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,441.78
Your down payment$155,441.78
Closing costs + prepaids$9,555.31
Total buyer cash needed$164,997.09
Remaining funds due$164,997.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$123.25
Initial HOA (3 months)$681.00
Prepaid interest, first (31 days)$226.06
Fees + prepaids$9,555.31
Your down payment is the seller’s equity. You take over the $74,558 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $164,997.09 is due at closing. Uses and sources reconcile at $239,555.31 each. Not a Closing Disclosure.