Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$154,052Cash toward the purchase price.
Closing costs + prepaids$11,864Not just lender fees.
Before credits & paid funds$165,916The complete starting cash picture.
Estimated remaining funds due at closing
$165,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,051.96
Your down payment$154,051.96
Closing costs + prepaids$11,863.67
Total buyer cash needed$165,915.63
Remaining funds due$165,915.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.90
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)$582.50
Prepaid interest, first (31 days)$706.27
Fees + prepaids$11,863.67
Your down payment is the seller’s equity. You take over the $280,938 balance, so the rest of the $434,990 price is paid at closing. A second mortgage can cover part of it. $165,915.63 is due at closing. Uses and sources reconcile at $446,853.67 each. Not a Closing Disclosure.