Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$148,190Cash toward the purchase price.
Closing costs + prepaids$12,369Not just lender fees.
Before credits & paid funds$160,559The complete starting cash picture.
Estimated remaining funds due at closing
$160,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,189.93
Your down payment$148,189.93
Closing costs + prepaids$12,369.03
Total buyer cash needed$160,558.95
Remaining funds due$160,558.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$657.25
Initial HOA (3 months)$75.00
Prepaid interest, first (24 days)$1,311.78
Fees + prepaids$12,369.03
Your down payment is the seller’s equity. You take over the $261,810 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $160,558.95 is due at closing. Uses and sources reconcile at $422,369.03 each. Not a Closing Disclosure.