Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$158,557Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$170,064The complete starting cash picture.
Estimated remaining funds due at closing
$170,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,556.87
Your down payment$158,556.87
Closing costs + prepaids$11,507.52
Total buyer cash needed$170,064.39
Remaining funds due$170,064.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$949.75
Prepaid interest, first (27 days)$533.77
Fees + prepaids$11,507.52
Your down payment is the seller’s equity. You take over the $221,343 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $170,064.39 is due at closing. Uses and sources reconcile at $391,407.52 each. Not a Closing Disclosure.