Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$158,095Cash toward the purchase price.
Closing costs + prepaids$12,719Not just lender fees.
Before credits & paid funds$170,814The complete starting cash picture.
Estimated remaining funds due at closing
$170,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,095.12
Your down payment$158,095.12
Closing costs + prepaids$12,719.30
Total buyer cash needed$170,814.42
Remaining funds due$170,814.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$1,523.25
Prepaid interest, first (25 days)$581.05
Fees + prepaids$12,719.30
Your down payment is the seller’s equity. You take over the $280,905 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $170,814.42 is due at closing. Uses and sources reconcile at $451,719.30 each. Not a Closing Disclosure.