Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$166,198Cash toward the purchase price.
Closing costs + prepaids$11,439Not just lender fees.
Before credits & paid funds$177,637The complete starting cash picture.
Estimated remaining funds due at closing
$177,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,197.85
Your down payment$166,197.85
Closing costs + prepaids$11,438.80
Total buyer cash needed$177,636.65
Remaining funds due$177,636.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Initial HOA (3 months)$402.00
Prepaid interest, first (9 days)$163.80
Fees + prepaids$11,438.80
Your down payment is the seller’s equity. You take over the $248,802 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $177,636.65 is due at closing. Uses and sources reconcile at $426,438.80 each. Not a Closing Disclosure.