Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$159,129Cash toward the purchase price.
Closing costs + prepaids$11,901Not just lender fees.
Before credits & paid funds$171,030The complete starting cash picture.
Estimated remaining funds due at closing
$171,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,128.92
Your down payment$159,128.92
Closing costs + prepaids$11,900.98
Total buyer cash needed$171,029.90
Remaining funds due$171,029.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$624.25
Initial HOA (3 months)$237.00
Prepaid interest, first (22 days)$515.73
Fees + prepaids$11,900.98
Your down payment is the seller’s equity. You take over the $270,771 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $171,029.90 is due at closing. Uses and sources reconcile at $441,800.98 each. Not a Closing Disclosure.