Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$152,124Cash toward the purchase price.
Closing costs + prepaids$12,319Not just lender fees.
Before credits & paid funds$164,443The complete starting cash picture.
Estimated remaining funds due at closing
$164,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,124.00
Your down payment$152,124.00
Closing costs + prepaids$12,319.41
Total buyer cash needed$164,443.41
Remaining funds due$164,443.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.40
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)$1,103.75
Initial HOA (3 months)$381.00
Prepaid interest, first (24 days)$510.26
Fees + prepaids$12,319.41
Your down payment is the seller’s equity. You take over the $257,816 balance, so the rest of the $409,940 price is paid at closing. A second mortgage can cover part of it. $164,443.41 is due at closing. Uses and sources reconcile at $422,259.41 each. Not a Closing Disclosure.