Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$157,603Cash toward the purchase price.
Closing costs + prepaids$12,119Not just lender fees.
Before credits & paid funds$169,722The complete starting cash picture.
Estimated remaining funds due at closing
$169,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,602.91
Your down payment$157,602.91
Closing costs + prepaids$12,118.80
Total buyer cash needed$169,721.71
Remaining funds due$169,721.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,785.00
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)$1,104.25
Initial HOA (3 months)$26.01
Prepaid interest, first (23 days)$978.54
Fees + prepaids$12,118.80
Your down payment is the seller’s equity. You take over the $220,897 balance, so the rest of the $378,500 price is paid at closing. A second mortgage can cover part of it. $169,721.71 is due at closing. Uses and sources reconcile at $390,618.80 each. Not a Closing Disclosure.