Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$148,694Cash toward the purchase price.
Closing costs + prepaids$13,010Not just lender fees.
Before credits & paid funds$161,705The complete starting cash picture.
Estimated remaining funds due at closing
$161,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,694.49
Your down payment$148,694.49
Closing costs + prepaids$13,010.09
Total buyer cash needed$161,704.59
Remaining funds due$161,704.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,962.00
Initial HOA (3 months)$20.01
Prepaid interest, first (30 days)$604.08
Fees + prepaids$13,010.09
Your down payment is the seller’s equity. You take over the $271,206 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $161,704.59 is due at closing. Uses and sources reconcile at $432,910.09 each. Not a Closing Disclosure.