Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$153,819Cash toward the purchase price.
Closing costs + prepaids$12,355Not just lender fees.
Before credits & paid funds$166,174The complete starting cash picture.
Estimated remaining funds due at closing
$166,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,819.20
Your down payment$153,819.20
Closing costs + prepaids$12,354.75
Total buyer cash needed$166,173.95
Remaining funds due$166,173.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$1,059.25
Initial HOA (3 months)$234.00
Prepaid interest, first (22 days)$496.50
Fees + prepaids$12,354.75
Your down payment is the seller’s equity. You take over the $280,181 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $166,173.95 is due at closing. Uses and sources reconcile at $446,354.75 each. Not a Closing Disclosure.