Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$157,603Cash toward the purchase price.
Closing costs + prepaids$12,459Not just lender fees.
Before credits & paid funds$170,062The complete starting cash picture.
Estimated remaining funds due at closing
$170,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,602.91
Your down payment$157,602.91
Closing costs + prepaids$12,459.17
Total buyer cash needed$170,062.07
Remaining funds due$170,062.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,785.00
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)$1,104.25
Initial HOA (3 months)$26.01
Prepaid interest, first (31 days)$1,318.91
Fees + prepaids$12,459.17
Your down payment is the seller’s equity. You take over the $220,897 balance, so the rest of the $378,500 price is paid at closing. A second mortgage can cover part of it. $170,062.07 is due at closing. Uses and sources reconcile at $390,959.17 each. Not a Closing Disclosure.