Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$162,524Cash toward the purchase price.
Closing costs + prepaids$12,552Not just lender fees.
Before credits & paid funds$175,076The complete starting cash picture.
Estimated remaining funds due at closing
$175,076No 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$12,552.23
Total buyer cash needed$175,075.77
Remaining funds due$175,075.77
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 (30 days)$634.99
Fees + prepaids$12,552.23
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. $175,075.77 is due at closing. Uses and sources reconcile at $427,551.23 each. Not a Closing Disclosure.