Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$153,485Cash toward the purchase price.
Closing costs + prepaids$11,468Not just lender fees.
Before credits & paid funds$164,953The complete starting cash picture.
Estimated remaining funds due at closing
$164,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,484.96
Your down payment$153,484.96
Closing costs + prepaids$11,467.99
Total buyer cash needed$164,952.95
Remaining funds due$164,952.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,165.00
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)$354.75
Initial HOA (3 months)$288.00
Prepaid interest, first (20 days)$435.24
Fees + prepaids$11,467.99
Your down payment is the seller’s equity. You take over the $263,015 balance, so the rest of the $416,500 price is paid at closing. A second mortgage can cover part of it. $164,952.95 is due at closing. Uses and sources reconcile at $427,967.99 each. Not a Closing Disclosure.