Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$166,389Cash toward the purchase price.
Closing costs + prepaids$12,301Not just lender fees.
Before credits & paid funds$178,690The complete starting cash picture.
Estimated remaining funds due at closing
$178,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,388.92
Your down payment$166,388.92
Closing costs + prepaids$12,300.79
Total buyer cash needed$178,689.71
Remaining funds due$178,689.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.90
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)$973.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$612.14
Fees + prepaids$12,300.79
Your down payment is the seller’s equity. You take over the $258,601 balance, so the rest of the $424,990 price is paid at closing. A second mortgage can cover part of it. $178,689.71 is due at closing. Uses and sources reconcile at $437,290.79 each. Not a Closing Disclosure.