Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$164,966Cash toward the purchase price.
Closing costs + prepaids$12,706Not just lender fees.
Before credits & paid funds$177,672The complete starting cash picture.
Estimated remaining funds due at closing
$177,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,966.07
Your down payment$164,966.07
Closing costs + prepaids$12,706.20
Total buyer cash needed$177,672.28
Remaining funds due$177,672.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$540.00
Initial HOA (3 months)$1,362.00
Prepaid interest, first (27 days)$489.20
Fees + prepaids$12,706.20
Your down payment is the seller’s equity. You take over the $244,034 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $177,672.28 is due at closing. Uses and sources reconcile at $421,706.20 each. Not a Closing Disclosure.