Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$160,332Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$171,420The complete starting cash picture.
Estimated remaining funds due at closing
$171,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,331.94
Your down payment$160,331.94
Closing costs + prepaids$11,087.82
Total buyer cash needed$171,419.77
Remaining funds due$171,419.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$76.25
Initial HOA (3 months)$273.99
Prepaid interest, first (27 days)$522.58
Fees + prepaids$11,087.82
Your down payment is the seller’s equity. You take over the $238,668 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $171,419.77 is due at closing. Uses and sources reconcile at $410,087.82 each. Not a Closing Disclosure.