Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,903Cash toward the purchase price.
Closing costs + prepaids$12,769Not just lender fees.
Before credits & paid funds$169,672The complete starting cash picture.
Estimated remaining funds due at closing
$169,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,902.79
Your down payment$156,902.79
Closing costs + prepaids$12,768.92
Total buyer cash needed$169,671.72
Remaining funds due$169,671.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$1,072.50
Prepaid interest, first (28 days)$1,181.42
Fees + prepaids$12,768.92
Your down payment is the seller’s equity. You take over the $272,097 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $169,671.72 is due at closing. Uses and sources reconcile at $441,768.92 each. Not a Closing Disclosure.