Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$171,042Cash toward the purchase price.
Closing costs + prepaids$11,206Not just lender fees.
Before credits & paid funds$182,248The complete starting cash picture.
Estimated remaining funds due at closing
$182,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,042.19
Your down payment$171,042.19
Closing costs + prepaids$11,206.14
Total buyer cash needed$182,248.33
Remaining funds due$182,248.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$1,130.50
Initial HOA (3 months)$129.99
Prepaid interest, first (28 days)$421.65
Fees + prepaids$11,206.14
Your down payment is the seller’s equity. You take over the $158,858 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $182,248.33 is due at closing. Uses and sources reconcile at $341,106.14 each. Not a Closing Disclosure.