Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$159,936Cash toward the purchase price.
Closing costs + prepaids$11,397Not just lender fees.
Before credits & paid funds$171,333The complete starting cash picture.
Estimated remaining funds due at closing
$171,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,935.69
Your down payment$159,935.69
Closing costs + prepaids$11,397.40
Total buyer cash needed$171,333.09
Remaining funds due$171,333.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$663.00
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$383.40
Fees + prepaids$11,397.40
Your down payment is the seller’s equity. You take over the $228,064 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $171,333.09 is due at closing. Uses and sources reconcile at $399,397.40 each. Not a Closing Disclosure.