Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$159,936Cash toward the purchase price.
Closing costs + prepaids$11,471Not just lender fees.
Before credits & paid funds$171,407The complete starting cash picture.
Estimated remaining funds due at closing
$171,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,935.69
Your down payment$159,935.69
Closing costs + prepaids$11,471.13
Total buyer cash needed$171,406.82
Remaining funds due$171,406.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$663.00
Initial HOA (3 months)$246.00
Prepaid interest, first (31 days)$457.13
Fees + prepaids$11,471.13
Your down payment is the seller’s equity. You take over the $228,064 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $171,406.82 is due at closing. Uses and sources reconcile at $399,471.13 each. Not a Closing Disclosure.