Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$170,070Cash toward the purchase price.
Closing costs + prepaids$12,640Not just lender fees.
Before credits & paid funds$182,710The complete starting cash picture.
Estimated remaining funds due at closing
$182,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,069.79
Your down payment$170,069.79
Closing costs + prepaids$12,639.96
Total buyer cash needed$182,709.75
Remaining funds due$182,709.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$1,452.00
Initial HOA (3 months)$170.01
Prepaid interest, first (26 days)$542.96
Fees + prepaids$12,639.96
Your down payment is the seller’s equity. You take over the $254,929 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $182,709.75 is due at closing. Uses and sources reconcile at $437,638.96 each. Not a Closing Disclosure.