Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$150,271Cash toward the purchase price.
Closing costs + prepaids$11,673Not just lender fees.
Before credits & paid funds$161,944The complete starting cash picture.
Estimated remaining funds due at closing
$161,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,271.01
Your down payment$150,271.01
Closing costs + prepaids$11,673.10
Total buyer cash needed$161,944.11
Remaining funds due$161,944.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$1,062.50
Initial HOA (3 months)$112.50
Prepaid interest, first (1 days)$23.11
Fees + prepaids$11,673.10
Your down payment is the seller’s equity. You take over the $274,728 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $161,944.11 is due at closing. Uses and sources reconcile at $436,672.10 each. Not a Closing Disclosure.