Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$154,340Cash toward the purchase price.
Closing costs + prepaids$11,568Not just lender fees.
Before credits & paid funds$165,909The complete starting cash picture.
Estimated remaining funds due at closing
$165,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,340.43
Your down payment$154,340.43
Closing costs + prepaids$11,568.42
Total buyer cash needed$165,908.85
Remaining funds due$165,908.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$398.50
Initial HOA (3 months)$147.00
Prepaid interest, first (31 days)$597.92
Fees + prepaids$11,568.42
Your down payment is the seller’s equity. You take over the $265,660 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $165,908.85 is due at closing. Uses and sources reconcile at $431,568.42 each. Not a Closing Disclosure.