Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$149,522Cash toward the purchase price.
Closing costs + prepaids$13,339Not just lender fees.
Before credits & paid funds$162,860The complete starting cash picture.
Estimated remaining funds due at closing
$162,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,521.88
Your down payment$149,521.88
Closing costs + prepaids$13,338.57
Total buyer cash needed$162,860.46
Remaining funds due$162,860.46
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)$1,752.50
Initial HOA (3 months)$443.01
Prepaid interest, first (30 days)$718.06
Fees + prepaids$13,338.57
Your down payment is the seller’s equity. You take over the $270,478 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $162,860.46 is due at closing. Uses and sources reconcile at $433,338.57 each. Not a Closing Disclosure.