Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$161,118Cash toward the purchase price.
Closing costs + prepaids$10,869Not just lender fees.
Before credits & paid funds$171,987The complete starting cash picture.
Estimated remaining funds due at closing
$171,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,117.65
Your down payment$161,117.65
Closing costs + prepaids$10,869.41
Total buyer cash needed$171,987.06
Remaining funds due$171,987.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$543.50
Prepaid interest, first (2 days)$50.91
Fees + prepaids$10,869.41
Your down payment is the seller’s equity. You take over the $243,882 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $171,987.06 is due at closing. Uses and sources reconcile at $415,869.41 each. Not a Closing Disclosure.