Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$154,206Cash toward the purchase price.
Closing costs + prepaids$11,528Not just lender fees.
Before credits & paid funds$165,734The complete starting cash picture.
Estimated remaining funds due at closing
$165,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,206.36
Your down payment$154,206.36
Closing costs + prepaids$11,527.87
Total buyer cash needed$165,734.23
Remaining funds due$165,734.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.90
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)$511.00
Initial HOA (3 months)$1,002.00
Prepaid interest, first (27 days)$439.97
Fees + prepaids$11,527.87
Your down payment is the seller’s equity. You take over the $180,784 balance, so the rest of the $334,990 price is paid at closing. A second mortgage can cover part of it. $165,734.23 is due at closing. Uses and sources reconcile at $346,517.87 each. Not a Closing Disclosure.