Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$154,151Cash toward the purchase price.
Closing costs + prepaids$11,701Not just lender fees.
Before credits & paid funds$165,851The complete starting cash picture.
Estimated remaining funds due at closing
$165,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,150.61
Your down payment$154,150.61
Closing costs + prepaids$11,700.55
Total buyer cash needed$165,851.16
Remaining funds due$165,851.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$612.75
Prepaid interest, first (26 days)$662.80
Fees + prepaids$11,700.55
Your down payment is the seller’s equity. You take over the $265,849 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $165,851.16 is due at closing. Uses and sources reconcile at $431,700.55 each. Not a Closing Disclosure.