Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$162,524Cash toward the purchase price.
Closing costs + prepaids$12,573Not just lender fees.
Before credits & paid funds$175,097The complete starting cash picture.
Estimated remaining funds due at closing
$175,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,523.54
Your down payment$162,523.54
Closing costs + prepaids$12,573.40
Total buyer cash needed$175,096.93
Remaining funds due$175,096.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.99
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)$354.25
Initial HOA (3 months)$1,188.00
Prepaid interest, first (31 days)$656.16
Fees + prepaids$12,573.40
Your down payment is the seller’s equity. You take over the $252,475 balance, so the rest of the $414,999 price is paid at closing. A second mortgage can cover part of it. $175,096.93 is due at closing. Uses and sources reconcile at $427,572.40 each. Not a Closing Disclosure.