Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$168,721Cash toward the purchase price.
Closing costs + prepaids$10,172Not just lender fees.
Before credits & paid funds$178,893The complete starting cash picture.
Estimated remaining funds due at closing
$178,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,720.70
Your down payment$168,720.70
Closing costs + prepaids$10,172.30
Total buyer cash needed$178,893.01
Remaining funds due$178,893.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,589.00
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)$310.75
Initial HOA (3 months)$993.00
Prepaid interest, first (6 days)$54.55
Fees + prepaids$10,172.30
Your down payment is the seller’s equity. You take over the $90,179 balance, so the rest of the $258,900 price is paid at closing. A second mortgage can cover part of it. $178,893.01 is due at closing. Uses and sources reconcile at $269,072.30 each. Not a Closing Disclosure.