Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$158,429Cash toward the purchase price.
Closing costs + prepaids$10,229Not just lender fees.
Before credits & paid funds$168,658The complete starting cash picture.
Estimated remaining funds due at closing
$168,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,428.74
Your down payment$158,428.74
Closing costs + prepaids$10,229.45
Total buyer cash needed$168,658.19
Remaining funds due$168,658.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,710.00
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)$686.25
Initial HOA (3 months)$255.00
Prepaid interest, first (28 days)$353.20
Fees + prepaids$10,229.45
Your down payment is the seller’s equity. You take over the $112,571 balance, so the rest of the $271,000 price is paid at closing. A second mortgage can cover part of it. $168,658.19 is due at closing. Uses and sources reconcile at $281,229.45 each. Not a Closing Disclosure.