Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,272Cash toward the purchase price.
Closing costs + prepaids$11,215Not just lender fees.
Before credits & paid funds$178,487The complete starting cash picture.
Estimated remaining funds due at closing
$178,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,272.21
Your down payment$167,272.21
Closing costs + prepaids$11,215.05
Total buyer cash needed$178,487.26
Remaining funds due$178,487.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,959.99
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)$622.75
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$23.31
Fees + prepaids$11,215.05
Your down payment is the seller’s equity. You take over the $228,727 balance, so the rest of the $395,999 price is paid at closing. A second mortgage can cover part of it. $178,487.26 is due at closing. Uses and sources reconcile at $407,214.05 each. Not a Closing Disclosure.