Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$172,485Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$183,810The complete starting cash picture.
Estimated remaining funds due at closing
$183,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,484.66
Your down payment$172,484.66
Closing costs + prepaids$11,324.86
Total buyer cash needed$183,809.52
Remaining funds due$183,809.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$289.00
Initial HOA (3 months)$123.00
Prepaid interest, first (31 days)$637.86
Fees + prepaids$11,324.86
Your down payment is the seller’s equity. You take over the $232,515 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $183,809.52 is due at closing. Uses and sources reconcile at $416,324.86 each. Not a Closing Disclosure.