Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$159,936Cash toward the purchase price.
Closing costs + prepaids$11,294Not just lender fees.
Before credits & paid funds$171,230The complete starting cash picture.
Estimated remaining funds due at closing
$171,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,935.69
Your down payment$159,935.69
Closing costs + prepaids$11,294.18
Total buyer cash needed$171,229.87
Remaining funds due$171,229.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$663.00
Initial HOA (3 months)$246.00
Prepaid interest, first (19 days)$280.18
Fees + prepaids$11,294.18
Your down payment is the seller’s equity. You take over the $228,064 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $171,229.87 is due at closing. Uses and sources reconcile at $399,294.18 each. Not a Closing Disclosure.