Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$136,640Cash toward the purchase price.
Closing costs + prepaids$8,820Not just lender fees.
Before credits & paid funds$145,460The complete starting cash picture.
Estimated remaining funds due at closing
$145,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,640.12
Your down payment$136,640.12
Closing costs + prepaids$8,820.10
Total buyer cash needed$145,460.23
Remaining funds due$145,460.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$108.50
Initial HOA (3 months)$834.00
Prepaid interest, first (1 days)$2.60
Fees + prepaids$8,820.10
Your down payment is the seller’s equity. You take over the $28,360 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $145,460.23 is due at closing. Uses and sources reconcile at $173,820.10 each. Not a Closing Disclosure.