Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$160,011Cash toward the purchase price.
Closing costs + prepaids$11,491Not just lender fees.
Before credits & paid funds$171,502The complete starting cash picture.
Estimated remaining funds due at closing
$171,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,010.81
Your down payment$160,010.81
Closing costs + prepaids$11,490.79
Total buyer cash needed$171,501.59
Remaining funds due$171,501.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$580.00
Prepaid interest, first (22 days)$485.79
Fees + prepaids$11,490.79
Your down payment is the seller’s equity. You take over the $259,989 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $171,501.59 is due at closing. Uses and sources reconcile at $431,490.79 each. Not a Closing Disclosure.