Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$150,545Cash toward the purchase price.
Closing costs + prepaids$11,819Not just lender fees.
Before credits & paid funds$162,364The complete starting cash picture.
Estimated remaining funds due at closing
$162,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,545.38
Your down payment$150,545.38
Closing costs + prepaids$11,818.66
Total buyer cash needed$162,364.03
Remaining funds due$162,364.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$324.50
Initial HOA (3 months)$153.99
Prepaid interest, first (31 days)$725.17
Fees + prepaids$11,818.66
Your down payment is the seller’s equity. You take over the $288,455 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $162,364.03 is due at closing. Uses and sources reconcile at $450,818.66 each. Not a Closing Disclosure.