Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$158,678Cash toward the purchase price.
Closing costs + prepaids$10,177Not just lender fees.
Before credits & paid funds$168,856The complete starting cash picture.
Estimated remaining funds due at closing
$168,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,678.43
Your down payment$158,678.43
Closing costs + prepaids$10,177.14
Total buyer cash needed$168,855.57
Remaining funds due$168,855.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,885.00
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)$729.00
Initial HOA (3 months)$62.49
Prepaid interest, first (25 days)$275.65
Fees + prepaids$10,177.14
Your down payment is the seller’s equity. You take over the $129,822 balance, so the rest of the $288,500 price is paid at closing. A second mortgage can cover part of it. $168,855.57 is due at closing. Uses and sources reconcile at $298,677.14 each. Not a Closing Disclosure.