Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,879Cash toward the purchase price.
Closing costs + prepaids$13,482Not just lender fees.
Before credits & paid funds$182,361The complete starting cash picture.
Estimated remaining funds due at closing
$182,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,878.85
Your down payment$168,878.85
Closing costs + prepaids$13,481.87
Total buyer cash needed$182,360.72
Remaining funds due$182,360.72
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)$2,306.00
Initial HOA (3 months)$37.50
Prepaid interest, first (26 days)$523.37
Fees + prepaids$13,481.87
Your down payment is the seller’s equity. You take over the $270,121 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $182,360.72 is due at closing. Uses and sources reconcile at $452,481.87 each. Not a Closing Disclosure.