Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$176,301Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$187,871The complete starting cash picture.
Estimated remaining funds due at closing
$187,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,301.33
Your down payment$176,301.33
Closing costs + prepaids$11,570.05
Total buyer cash needed$187,871.38
Remaining funds due$187,871.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,089.90
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)$918.25
Initial HOA (3 months)$291.00
Prepaid interest, first (2 days)$45.90
Fees + prepaids$11,570.05
Your down payment is the seller’s equity. You take over the $232,689 balance, so the rest of the $408,990 price is paid at closing. A second mortgage can cover part of it. $187,871.38 is due at closing. Uses and sources reconcile at $420,560.05 each. Not a Closing Disclosure.