Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,103Cash toward the purchase price.
Closing costs + prepaids$11,456Not just lender fees.
Before credits & paid funds$181,559The complete starting cash picture.
Estimated remaining funds due at closing
$181,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,102.74
Your down payment$170,102.74
Closing costs + prepaids$11,456.25
Total buyer cash needed$181,558.99
Remaining funds due$181,558.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$549.75
Initial HOA (3 months)$261.00
Prepaid interest, first (1 days)$30.50
Fees + prepaids$11,456.25
Your down payment is the seller’s equity. You take over the $268,897 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $181,558.99 is due at closing. Uses and sources reconcile at $450,456.25 each. Not a Closing Disclosure.