Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$155,521Cash toward the purchase price.
Closing costs + prepaids$12,067Not just lender fees.
Before credits & paid funds$167,588The complete starting cash picture.
Estimated remaining funds due at closing
$167,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,521.40
Your down payment$155,521.40
Closing costs + prepaids$12,066.70
Total buyer cash needed$167,588.10
Remaining funds due$167,588.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$408.00
Initial HOA (3 months)$336.00
Prepaid interest, first (27 days)$997.70
Fees + prepaids$12,066.70
Your down payment is the seller’s equity. You take over the $254,479 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $167,588.10 is due at closing. Uses and sources reconcile at $422,066.70 each. Not a Closing Disclosure.