Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$158,507Cash toward the purchase price.
Closing costs + prepaids$10,376Not just lender fees.
Before credits & paid funds$168,883The complete starting cash picture.
Estimated remaining funds due at closing
$168,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,507.44
Your down payment$158,507.44
Closing costs + prepaids$10,375.56
Total buyer cash needed$168,883.00
Remaining funds due$168,883.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,629.31
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)$600.25
Initial HOA (3 months)$900.00
Prepaid interest, first (2 days)$21.00
Fees + prepaids$10,375.56
Your down payment is the seller’s equity. You take over the $104,424 balance, so the rest of the $262,931 price is paid at closing. A second mortgage can cover part of it. $168,883.00 is due at closing. Uses and sources reconcile at $273,306.56 each. Not a Closing Disclosure.