Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$152,170Cash toward the purchase price.
Closing costs + prepaids$12,087Not just lender fees.
Before credits & paid funds$164,257The complete starting cash picture.
Estimated remaining funds due at closing
$164,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,170.08
Your down payment$152,170.08
Closing costs + prepaids$12,086.52
Total buyer cash needed$164,256.60
Remaining funds due$164,256.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,040.00
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)$903.25
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$798.27
Fees + prepaids$12,086.52
Your down payment is the seller’s equity. You take over the $251,830 balance, so the rest of the $404,000 price is paid at closing. A second mortgage can cover part of it. $164,256.60 is due at closing. Uses and sources reconcile at $416,086.52 each. Not a Closing Disclosure.