Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$160,859Cash toward the purchase price.
Closing costs + prepaids$9,373Not just lender fees.
Before credits & paid funds$170,231The complete starting cash picture.
Estimated remaining funds due at closing
$170,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,858.61
Your down payment$160,858.61
Closing costs + prepaids$9,372.55
Total buyer cash needed$170,231.16
Remaining funds due$170,231.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.47
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)$78.00
Initial HOA (3 months)$16.26
Prepaid interest, first (27 days)$303.82
Fees + prepaids$9,372.55
Your down payment is the seller’s equity. You take over the $114,088 balance, so the rest of the $274,947 price is paid at closing. A second mortgage can cover part of it. $170,231.16 is due at closing. Uses and sources reconcile at $284,319.55 each. Not a Closing Disclosure.