Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$160,934Cash toward the purchase price.
Closing costs + prepaids$11,928Not just lender fees.
Before credits & paid funds$172,862The complete starting cash picture.
Estimated remaining funds due at closing
$172,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,934.06
Your down payment$160,934.06
Closing costs + prepaids$11,928.42
Total buyer cash needed$172,862.48
Remaining funds due$172,862.48
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)$356.75
Initial HOA (3 months)$495.00
Prepaid interest, first (25 days)$552.67
Fees + prepaids$11,928.42
Your down payment is the seller’s equity. You take over the $268,966 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $172,862.48 is due at closing. Uses and sources reconcile at $441,828.42 each. Not a Closing Disclosure.