Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,459Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$165,853The complete starting cash picture.
Estimated remaining funds due at closing
$165,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,459.03
Your down payment$153,459.03
Closing costs + prepaids$12,394.17
Total buyer cash needed$165,853.20
Remaining funds due$165,853.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.95
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)$1,495.00
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$589.22
Fees + prepaids$12,394.17
Your down payment is the seller’s equity. You take over the $241,536 balance, so the rest of the $394,995 price is paid at closing. A second mortgage can cover part of it. $165,853.20 is due at closing. Uses and sources reconcile at $407,389.17 each. Not a Closing Disclosure.