Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$160,435Cash toward the purchase price.
Closing costs + prepaids$11,662Not just lender fees.
Before credits & paid funds$172,097The complete starting cash picture.
Estimated remaining funds due at closing
$172,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,434.55
Your down payment$160,434.55
Closing costs + prepaids$11,661.98
Total buyer cash needed$172,096.53
Remaining funds due$172,096.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.98
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)$483.50
Initial HOA (3 months)$201.00
Prepaid interest, first (22 days)$452.50
Fees + prepaids$11,661.98
Your down payment is the seller’s equity. You take over the $269,563 balance, so the rest of the $429,998 price is paid at closing. A second mortgage can cover part of it. $172,096.53 is due at closing. Uses and sources reconcile at $441,659.98 each. Not a Closing Disclosure.