Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$156,240Cash toward the purchase price.
Closing costs + prepaids$12,848Not just lender fees.
Before credits & paid funds$169,088The complete starting cash picture.
Estimated remaining funds due at closing
$169,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,240.17
Your down payment$156,240.17
Closing costs + prepaids$12,848.24
Total buyer cash needed$169,088.41
Remaining funds due$169,088.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$1,125.00
Initial HOA (3 months)$975.00
Prepaid interest, first (1 days)$23.34
Fees + prepaids$12,848.24
Your down payment is the seller’s equity. You take over the $293,750 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $169,088.41 is due at closing. Uses and sources reconcile at $462,838.24 each. Not a Closing Disclosure.