Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,789Cash toward the purchase price.
Closing costs + prepaids$13,161Not just lender fees.
Before credits & paid funds$186,950The complete starting cash picture.
Estimated remaining funds due at closing
$186,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,788.84
Your down payment$173,788.84
Closing costs + prepaids$13,160.86
Total buyer cash needed$186,949.70
Remaining funds due$186,949.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$1,295.75
Initial HOA (3 months)$774.00
Prepaid interest, first (26 days)$617.11
Fees + prepaids$13,160.86
Your down payment is the seller’s equity. You take over the $251,111 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $186,949.70 is due at closing. Uses and sources reconcile at $438,060.86 each. Not a Closing Disclosure.