Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$159,110Cash toward the purchase price.
Closing costs + prepaids$12,418Not just lender fees.
Before credits & paid funds$171,528The complete starting cash picture.
Estimated remaining funds due at closing
$171,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,109.95
Your down payment$159,109.95
Closing costs + prepaids$12,418.10
Total buyer cash needed$171,528.05
Remaining funds due$171,528.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$769.75
Initial HOA (3 months)$540.00
Prepaid interest, first (30 days)$603.35
Fees + prepaids$12,418.10
Your down payment is the seller’s equity. You take over the $268,890 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $171,528.05 is due at closing. Uses and sources reconcile at $440,418.10 each. Not a Closing Disclosure.