Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$158,760Cash toward the purchase price.
Closing costs + prepaids$13,481Not just lender fees.
Before credits & paid funds$172,241The complete starting cash picture.
Estimated remaining funds due at closing
$172,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,760.10
Your down payment$158,760.10
Closing costs + prepaids$13,481.00
Total buyer cash needed$172,241.10
Remaining funds due$172,241.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,562.00
Initial HOA (3 months)$98.01
Prepaid interest, first (30 days)$696.99
Fees + prepaids$13,481.00
Your down payment is the seller’s equity. You take over the $306,140 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $172,241.10 is due at closing. Uses and sources reconcile at $478,381.00 each. Not a Closing Disclosure.