Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$156,387Cash toward the purchase price.
Closing costs + prepaids$9,802Not just lender fees.
Before credits & paid funds$166,189The complete starting cash picture.
Estimated remaining funds due at closing
$166,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,386.59
Your down payment$156,386.59
Closing costs + prepaids$9,802.34
Total buyer cash needed$166,188.93
Remaining funds due$166,188.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$560.75
Initial HOA (3 months)$462.00
Prepaid interest, first (25 days)$264.59
Fees + prepaids$9,802.34
Your down payment is the seller’s equity. You take over the $72,613 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $166,188.93 is due at closing. Uses and sources reconcile at $238,802.34 each. Not a Closing Disclosure.