Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$149,858Cash toward the purchase price.
Closing costs + prepaids$11,117Not just lender fees.
Before credits & paid funds$160,975The complete starting cash picture.
Estimated remaining funds due at closing
$160,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,858.30
Your down payment$149,858.30
Closing costs + prepaids$11,116.94
Total buyer cash needed$160,975.24
Remaining funds due$160,975.24
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)$324.50
Initial HOA (3 months)$153.99
Prepaid interest, first (1 days)$23.45
Fees + prepaids$11,116.94
Your down payment is the seller’s equity. You take over the $289,142 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $160,975.24 is due at closing. Uses and sources reconcile at $450,116.94 each. Not a Closing Disclosure.