Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$155,069Cash toward the purchase price.
Closing costs + prepaids$11,364Not just lender fees.
Before credits & paid funds$166,433The complete starting cash picture.
Estimated remaining funds due at closing
$166,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,068.79
Your down payment$155,068.79
Closing costs + prepaids$11,364.13
Total buyer cash needed$166,432.92
Remaining funds due$166,432.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$514.25
Initial HOA (3 months)$94.50
Prepaid interest, first (1 days)$30.38
Fees + prepaids$11,364.13
Your down payment is the seller’s equity. You take over the $294,931 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $166,432.92 is due at closing. Uses and sources reconcile at $461,364.13 each. Not a Closing Disclosure.