Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$168,593Cash toward the purchase price.
Closing costs + prepaids$12,015Not just lender fees.
Before credits & paid funds$180,608The complete starting cash picture.
Estimated remaining funds due at closing
$180,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,592.71
Your down payment$168,592.71
Closing costs + prepaids$12,014.89
Total buyer cash needed$180,607.60
Remaining funds due$180,607.60
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)$492.00
Initial HOA (3 months)$1,059.00
Prepaid interest, first (7 days)$138.89
Fees + prepaids$12,014.89
Your down payment is the seller’s equity. You take over the $241,407 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $180,607.60 is due at closing. Uses and sources reconcile at $422,014.89 each. Not a Closing Disclosure.