Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$163,799Cash toward the purchase price.
Closing costs + prepaids$11,522Not just lender fees.
Before credits & paid funds$175,321The complete starting cash picture.
Estimated remaining funds due at closing
$175,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,799.34
Your down payment$163,799.34
Closing costs + prepaids$11,522.03
Total buyer cash needed$175,321.36
Remaining funds due$175,321.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$430.25
Initial HOA (3 months)$170.01
Prepaid interest, first (24 days)$506.77
Fees + prepaids$11,522.03
Your down payment is the seller’s equity. You take over the $255,201 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $175,321.36 is due at closing. Uses and sources reconcile at $430,522.03 each. Not a Closing Disclosure.