Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$170,706Cash toward the purchase price.
Closing costs + prepaids$12,085Not just lender fees.
Before credits & paid funds$182,790The complete starting cash picture.
Estimated remaining funds due at closing
$182,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,705.60
Your down payment$170,705.60
Closing costs + prepaids$12,084.82
Total buyer cash needed$182,790.42
Remaining funds due$182,790.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$889.75
Initial HOA (3 months)$410.01
Prepaid interest, first (25 days)$470.06
Fees + prepaids$12,084.82
Your down payment is the seller’s equity. You take over the $238,294 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $182,790.42 is due at closing. Uses and sources reconcile at $421,084.82 each. Not a Closing Disclosure.