Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$159,492Cash toward the purchase price.
Closing costs + prepaids$10,132Not just lender fees.
Before credits & paid funds$169,623The complete starting cash picture.
Estimated remaining funds due at closing
$169,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,491.55
Your down payment$159,491.55
Closing costs + prepaids$10,131.78
Total buyer cash needed$169,623.32
Remaining funds due$169,623.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$274.75
Initial HOA (3 months)$1,020.00
Prepaid interest, first (2 days)$22.03
Fees + prepaids$10,131.78
Your down payment is the seller’s equity. You take over the $99,508 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $169,623.32 is due at closing. Uses and sources reconcile at $269,131.78 each. Not a Closing Disclosure.