Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$158,126Cash toward the purchase price.
Closing costs + prepaids$13,357Not just lender fees.
Before credits & paid funds$171,484The complete starting cash picture.
Estimated remaining funds due at closing
$171,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,126.17
Your down payment$158,126.17
Closing costs + prepaids$13,357.34
Total buyer cash needed$171,483.51
Remaining funds due$171,483.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,659.75
Initial HOA (3 months)$1,455.00
Prepaid interest, first (1 days)$17.69
Fees + prepaids$13,357.34
Your down payment is the seller’s equity. You take over the $241,864 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $171,483.51 is due at closing. Uses and sources reconcile at $413,347.34 each. Not a Closing Disclosure.