Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$154,205Cash toward the purchase price.
Closing costs + prepaids$11,457Not just lender fees.
Before credits & paid funds$165,662The complete starting cash picture.
Estimated remaining funds due at closing
$165,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,204.81
Your down payment$154,204.81
Closing costs + prepaids$11,456.84
Total buyer cash needed$165,661.64
Remaining funds due$165,661.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$708.25
Initial HOA (3 months)$54.00
Prepaid interest, first (25 days)$469.69
Fees + prepaids$11,456.84
Your down payment is the seller’s equity. You take over the $245,785 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $165,661.64 is due at closing. Uses and sources reconcile at $411,446.84 each. Not a Closing Disclosure.