Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$163,459Cash toward the purchase price.
Closing costs + prepaids$12,119Not just lender fees.
Before credits & paid funds$175,578The complete starting cash picture.
Estimated remaining funds due at closing
$175,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,459.01
Your down payment$163,459.01
Closing costs + prepaids$12,119.45
Total buyer cash needed$175,578.46
Remaining funds due$175,578.46
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)$987.50
Initial HOA (3 months)$243.00
Prepaid interest, first (23 days)$463.95
Fees + prepaids$12,119.45
Your down payment is the seller’s equity. You take over the $256,541 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $175,578.46 is due at closing. Uses and sources reconcile at $432,119.45 each. Not a Closing Disclosure.