Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$170,701Cash toward the purchase price.
Closing costs + prepaids$11,677Not just lender fees.
Before credits & paid funds$182,377The complete starting cash picture.
Estimated remaining funds due at closing
$182,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,700.57
Your down payment$170,700.57
Closing costs + prepaids$11,676.64
Total buyer cash needed$182,377.21
Remaining funds due$182,377.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$526.75
Initial HOA (3 months)$261.00
Prepaid interest, first (9 days)$273.89
Fees + prepaids$11,676.64
Your down payment is the seller’s equity. You take over the $268,299 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $182,377.21 is due at closing. Uses and sources reconcile at $450,676.64 each. Not a Closing Disclosure.