Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$169,740Cash toward the purchase price.
Closing costs + prepaids$11,223Not just lender fees.
Before credits & paid funds$180,962The complete starting cash picture.
Estimated remaining funds due at closing
$180,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,739.77
Your down payment$169,739.77
Closing costs + prepaids$11,222.56
Total buyer cash needed$180,962.33
Remaining funds due$180,962.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.90
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)$646.25
Initial HOA (3 months)$183.00
Prepaid interest, first (1 days)$18.41
Fees + prepaids$11,222.56
Your down payment is the seller’s equity. You take over the $245,250 balance, so the rest of the $414,990 price is paid at closing. A second mortgage can cover part of it. $180,962.33 is due at closing. Uses and sources reconcile at $426,212.56 each. Not a Closing Disclosure.