Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$159,577Cash toward the purchase price.
Closing costs + prepaids$13,181Not just lender fees.
Before credits & paid funds$172,758The complete starting cash picture.
Estimated remaining funds due at closing
$172,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,576.82
Your down payment$159,576.82
Closing costs + prepaids$13,181.16
Total buyer cash needed$172,757.98
Remaining funds due$172,757.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,575.00
Initial HOA (3 months)$6.24
Prepaid interest, first (30 days)$884.92
Fees + prepaids$13,181.16
Your down payment is the seller’s equity. You take over the $289,423 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $172,757.98 is due at closing. Uses and sources reconcile at $462,181.16 each. Not a Closing Disclosure.