Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$155,521Cash toward the purchase price.
Closing costs + prepaids$11,808Not just lender fees.
Before credits & paid funds$167,329The complete starting cash picture.
Estimated remaining funds due at closing
$167,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,521.40
Your down payment$155,521.40
Closing costs + prepaids$11,808.03
Total buyer cash needed$167,329.44
Remaining funds due$167,329.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$408.00
Initial HOA (3 months)$336.00
Prepaid interest, first (20 days)$739.03
Fees + prepaids$11,808.03
Your down payment is the seller’s equity. You take over the $254,479 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $167,329.44 is due at closing. Uses and sources reconcile at $421,808.03 each. Not a Closing Disclosure.