Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$160,039Cash toward the purchase price.
Closing costs + prepaids$12,580Not just lender fees.
Before credits & paid funds$172,619The complete starting cash picture.
Estimated remaining funds due at closing
$172,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,039.45
Your down payment$160,039.45
Closing costs + prepaids$12,579.95
Total buyer cash needed$172,619.40
Remaining funds due$172,619.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,096.00
Initial HOA (3 months)$1,230.00
Prepaid interest, first (26 days)$429.95
Fees + prepaids$12,579.95
Your down payment is the seller’s equity. You take over the $199,861 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $172,619.40 is due at closing. Uses and sources reconcile at $372,479.95 each. Not a Closing Disclosure.