Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$155,626Cash toward the purchase price.
Closing costs + prepaids$14,643Not just lender fees.
Before credits & paid funds$170,269The complete starting cash picture.
Estimated remaining funds due at closing
$170,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,626.28
Your down payment$155,626.28
Closing costs + prepaids$14,643.21
Total buyer cash needed$170,269.49
Remaining funds due$170,269.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,449.75
Prepaid interest, first (30 days)$1,768.46
Fees + prepaids$14,643.21
Your down payment is the seller’s equity. You take over the $339,374 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $170,269.49 is due at closing. Uses and sources reconcile at $509,643.21 each. Not a Closing Disclosure.