Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,940Cash toward the purchase price.
Closing costs + prepaids$10,728Not just lender fees.
Before credits & paid funds$182,668The complete starting cash picture.
Estimated remaining funds due at closing
$182,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,939.80
Your down payment$171,939.80
Closing costs + prepaids$10,728.25
Total buyer cash needed$182,668.05
Remaining funds due$182,668.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$289.00
Initial HOA (3 months)$123.00
Prepaid interest, first (2 days)$41.25
Fees + prepaids$10,728.25
Your down payment is the seller’s equity. You take over the $233,060 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $182,668.05 is due at closing. Uses and sources reconcile at $415,728.25 each. Not a Closing Disclosure.