Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$175,094Cash toward the purchase price.
Closing costs + prepaids$12,494Not just lender fees.
Before credits & paid funds$187,587The complete starting cash picture.
Estimated remaining funds due at closing
$187,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,093.71
Your down payment$175,093.71
Closing costs + prepaids$12,493.68
Total buyer cash needed$187,587.39
Remaining funds due$187,587.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,320.00
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)$1,050.00
Initial HOA (3 months)$270.00
Prepaid interest, first (29 days)$628.68
Fees + prepaids$12,493.68
Your down payment is the seller’s equity. You take over the $256,906 balance, so the rest of the $432,000 price is paid at closing. A second mortgage can cover part of it. $187,587.39 is due at closing. Uses and sources reconcile at $444,493.68 each. Not a Closing Disclosure.