Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$158,715Cash toward the purchase price.
Closing costs + prepaids$13,728Not just lender fees.
Before credits & paid funds$172,443The complete starting cash picture.
Estimated remaining funds due at closing
$172,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,715.22
Your down payment$158,715.22
Closing costs + prepaids$13,727.94
Total buyer cash needed$172,443.16
Remaining funds due$172,443.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,659.75
Initial HOA (3 months)$1,455.00
Prepaid interest, first (22 days)$388.29
Fees + prepaids$13,727.94
Your down payment is the seller’s equity. You take over the $241,275 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $172,443.16 is due at closing. Uses and sources reconcile at $413,717.94 each. Not a Closing Disclosure.