Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$150,153Cash toward the purchase price.
Closing costs + prepaids$11,924Not just lender fees.
Before credits & paid funds$162,077The complete starting cash picture.
Estimated remaining funds due at closing
$162,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,152.91
Your down payment$150,152.91
Closing costs + prepaids$11,924.39
Total buyer cash needed$162,077.31
Remaining funds due$162,077.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$426.75
Initial HOA (3 months)$720.00
Prepaid interest, first (23 days)$502.64
Fees + prepaids$11,924.39
Your down payment is the seller’s equity. You take over the $254,847 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $162,077.31 is due at closing. Uses and sources reconcile at $416,924.39 each. Not a Closing Disclosure.