Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$166,661Cash toward the purchase price.
Closing costs + prepaids$11,930Not just lender fees.
Before credits & paid funds$178,591The complete starting cash picture.
Estimated remaining funds due at closing
$178,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,660.85
Your down payment$166,660.85
Closing costs + prepaids$11,930.41
Total buyer cash needed$178,591.25
Remaining funds due$178,591.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$1,055.50
Initial HOA (3 months)$243.99
Prepaid interest, first (24 days)$425.92
Fees + prepaids$11,930.41
Your down payment is the seller’s equity. You take over the $231,339 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $178,591.25 is due at closing. Uses and sources reconcile at $409,930.41 each. Not a Closing Disclosure.