Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,145Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$166,764The complete starting cash picture.
Estimated remaining funds due at closing
$166,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,145.43
Your down payment$156,145.43
Closing costs + prepaids$10,618.62
Total buyer cash needed$166,764.05
Remaining funds due$166,764.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$1,138.00
Initial HOA (3 months)$132.99
Prepaid interest, first (23 days)$323.63
Fees + prepaids$10,618.62
Your down payment is the seller’s equity. You take over the $123,755 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $166,764.05 is due at closing. Uses and sources reconcile at $290,518.62 each. Not a Closing Disclosure.