Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,337Cash toward the purchase price.
Closing costs + prepaids$11,422Not just lender fees.
Before credits & paid funds$161,759The complete starting cash picture.
Estimated remaining funds due at closing
$161,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,336.72
Your down payment$150,336.72
Closing costs + prepaids$11,422.24
Total buyer cash needed$161,758.96
Remaining funds due$161,758.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,835.00
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)$507.75
Initial HOA (3 months)$375.00
Prepaid interest, first (27 days)$479.49
Fees + prepaids$11,422.24
Your down payment is the seller’s equity. You take over the $233,163 balance, so the rest of the $383,500 price is paid at closing. A second mortgage can cover part of it. $161,758.96 is due at closing. Uses and sources reconcile at $394,922.24 each. Not a Closing Disclosure.