Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$160,097Cash toward the purchase price.
Closing costs + prepaids$11,081Not just lender fees.
Before credits & paid funds$171,178The complete starting cash picture.
Estimated remaining funds due at closing
$171,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,097.25
Your down payment$160,097.25
Closing costs + prepaids$11,080.90
Total buyer cash needed$171,178.15
Remaining funds due$171,178.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$967.50
Prepaid interest, first (1 days)$18.40
Fees + prepaids$11,080.90
Your down payment is the seller’s equity. You take over the $226,903 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $171,178.15 is due at closing. Uses and sources reconcile at $398,080.90 each. Not a Closing Disclosure.