Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$152,827Cash toward the purchase price.
Closing costs + prepaids$12,115Not just lender fees.
Before credits & paid funds$164,942The complete starting cash picture.
Estimated remaining funds due at closing
$164,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,826.62
Your down payment$152,826.62
Closing costs + prepaids$12,115.43
Total buyer cash needed$164,942.06
Remaining funds due$164,942.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,429.98
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)$679.50
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$705.95
Fees + prepaids$12,115.43
Your down payment is the seller’s equity. You take over the $290,171 balance, so the rest of the $442,998 price is paid at closing. A second mortgage can cover part of it. $164,942.06 is due at closing. Uses and sources reconcile at $455,113.43 each. Not a Closing Disclosure.