Follow the dollars · Assumption only
A complete cash picture for Dec 24, 2026
Your down payment$159,728Cash toward the purchase price.
Closing costs + prepaids$11,807Not just lender fees.
Before credits & paid funds$171,535The complete starting cash picture.
Estimated remaining funds due at closing
$171,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,727.81
Your down payment$159,727.81
Closing costs + prepaids$11,806.90
Total buyer cash needed$171,534.71
Remaining funds due$171,534.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Initial HOA (3 months)$108.00
Prepaid interest, first (8 days)$433.90
Fees + prepaids$11,806.90
Your down payment is the seller’s equity. You take over the $290,272 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $171,534.71 is due at closing. Uses and sources reconcile at $461,806.90 each. Not a Closing Disclosure.