Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$149,395Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$161,716The complete starting cash picture.
Estimated remaining funds due at closing
$161,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,395.17
Your down payment$149,395.17
Closing costs + prepaids$12,321.04
Total buyer cash needed$161,716.21
Remaining funds due$161,716.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$1,122.75
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$598.29
Fees + prepaids$12,321.04
Your down payment is the seller’s equity. You take over the $268,605 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $161,716.21 is due at closing. Uses and sources reconcile at $430,321.04 each. Not a Closing Disclosure.