Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$152,857Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$163,912The complete starting cash picture.
Estimated remaining funds due at closing
$163,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,857.40
Your down payment$152,857.40
Closing costs + prepaids$11,054.56
Total buyer cash needed$163,911.96
Remaining funds due$163,911.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,165.00
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)$354.75
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$21.81
Fees + prepaids$11,054.56
Your down payment is the seller’s equity. You take over the $263,643 balance, so the rest of the $416,500 price is paid at closing. A second mortgage can cover part of it. $163,911.96 is due at closing. Uses and sources reconcile at $427,554.56 each. Not a Closing Disclosure.