Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,269Cash toward the purchase price.
Closing costs + prepaids$10,655Not just lender fees.
Before credits & paid funds$178,924The complete starting cash picture.
Estimated remaining funds due at closing
$178,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,268.54
Your down payment$168,268.54
Closing costs + prepaids$10,655.00
Total buyer cash needed$178,923.54
Remaining funds due$178,923.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$567.00
Initial HOA (3 months)$1,215.00
Prepaid interest, first (26 days)$249.00
Fees + prepaids$10,655.00
Your down payment is the seller’s equity. You take over the $71,631 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $178,923.54 is due at closing. Uses and sources reconcile at $250,555.00 each. Not a Closing Disclosure.