Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$157,829Cash toward the purchase price.
Closing costs + prepaids$12,100Not just lender fees.
Before credits & paid funds$169,929The complete starting cash picture.
Estimated remaining funds due at closing
$169,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,829.33
Your down payment$157,829.33
Closing costs + prepaids$12,099.80
Total buyer cash needed$169,929.13
Remaining funds due$169,929.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$579.75
Initial HOA (3 months)$215.01
Prepaid interest, first (26 days)$630.04
Fees + prepaids$12,099.80
Your down payment is the seller’s equity. You take over the $287,171 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $169,929.13 is due at closing. Uses and sources reconcile at $457,099.80 each. Not a Closing Disclosure.