Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$147,690Cash toward the purchase price.
Closing costs + prepaids$13,245Not just lender fees.
Before credits & paid funds$160,935The complete starting cash picture.
Estimated remaining funds due at closing
$160,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,689.88
Your down payment$147,689.88
Closing costs + prepaids$13,245.00
Total buyer cash needed$160,934.88
Remaining funds due$160,934.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,840.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,855.00
Prepaid interest, first (2 days)$75.00
Fees + prepaids$13,245.00
Your down payment is the seller’s equity. You take over the $336,310 balance, so the rest of the $484,000 price is paid at closing. A second mortgage can cover part of it. $160,934.88 is due at closing. Uses and sources reconcile at $497,245.00 each. Not a Closing Disclosure.