Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$164,563Cash toward the purchase price.
Closing costs + prepaids$13,039Not just lender fees.
Before credits & paid funds$177,602The complete starting cash picture.
Estimated remaining funds due at closing
$177,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,563.39
Your down payment$164,563.39
Closing costs + prepaids$13,038.74
Total buyer cash needed$177,602.13
Remaining funds due$177,602.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.95
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)$1,295.75
Initial HOA (3 months)$774.00
Prepaid interest, first (26 days)$594.04
Fees + prepaids$13,038.74
Your down payment is the seller’s equity. You take over the $250,432 balance, so the rest of the $414,995 price is paid at closing. A second mortgage can cover part of it. $177,602.13 is due at closing. Uses and sources reconcile at $428,033.74 each. Not a Closing Disclosure.