Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$170,329Cash toward the purchase price.
Closing costs + prepaids$11,700Not just lender fees.
Before credits & paid funds$182,029The complete starting cash picture.
Estimated remaining funds due at closing
$182,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,328.72
Your down payment$170,328.72
Closing costs + prepaids$11,700.04
Total buyer cash needed$182,028.76
Remaining funds due$182,028.76
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 (27 days)$495.89
Fees + prepaids$11,700.04
Your down payment is the seller’s equity. You take over the $244,661 balance, so the rest of the $414,990 price is paid at closing. A second mortgage can cover part of it. $182,028.76 is due at closing. Uses and sources reconcile at $426,690.04 each. Not a Closing Disclosure.