Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$150,828Cash toward the purchase price.
Closing costs + prepaids$11,391Not just lender fees.
Before credits & paid funds$162,220The complete starting cash picture.
Estimated remaining funds due at closing
$162,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,828.31
Your down payment$150,828.31
Closing costs + prepaids$11,391.25
Total buyer cash needed$162,219.56
Remaining funds due$162,219.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,210.00
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)$505.25
Initial HOA (3 months)$243.00
Prepaid interest, first (10 days)$208.00
Fees + prepaids$11,391.25
Your down payment is the seller’s equity. You take over the $270,172 balance, so the rest of the $421,000 price is paid at closing. A second mortgage can cover part of it. $162,219.56 is due at closing. Uses and sources reconcile at $432,391.25 each. Not a Closing Disclosure.