Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$160,415Cash toward the purchase price.
Closing costs + prepaids$10,465Not just lender fees.
Before credits & paid funds$170,881The complete starting cash picture.
Estimated remaining funds due at closing
$170,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,415.32
Your down payment$160,415.32
Closing costs + prepaids$10,465.21
Total buyer cash needed$170,880.53
Remaining funds due$170,880.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$356.25
Initial HOA (3 months)$810.00
Prepaid interest, first (17 days)$224.96
Fees + prepaids$10,465.21
Your down payment is the seller’s equity. You take over the $124,485 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $170,880.53 is due at closing. Uses and sources reconcile at $295,365.21 each. Not a Closing Disclosure.