Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$150,924Cash toward the purchase price.
Closing costs + prepaids$12,203Not just lender fees.
Before credits & paid funds$163,127The complete starting cash picture.
Estimated remaining funds due at closing
$163,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,923.83
Your down payment$150,923.83
Closing costs + prepaids$12,203.25
Total buyer cash needed$163,127.07
Remaining funds due$163,127.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$1,062.50
Initial HOA (3 months)$112.50
Prepaid interest, first (24 days)$553.26
Fees + prepaids$12,203.25
Your down payment is the seller’s equity. You take over the $274,075 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $163,127.07 is due at closing. Uses and sources reconcile at $437,202.25 each. Not a Closing Disclosure.