Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$167,501Cash toward the purchase price.
Closing costs + prepaids$11,154Not just lender fees.
Before credits & paid funds$178,655The complete starting cash picture.
Estimated remaining funds due at closing
$178,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,500.60
Your down payment$167,500.60
Closing costs + prepaids$11,153.98
Total buyer cash needed$178,654.57
Remaining funds due$178,654.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$493.75
Initial HOA (3 months)$90.00
Prepaid interest, first (17 days)$395.23
Fees + prepaids$11,153.98
Your down payment is the seller’s equity. You take over the $227,499 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $178,654.57 is due at closing. Uses and sources reconcile at $406,153.98 each. Not a Closing Disclosure.