Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,777Cash toward the purchase price.
Closing costs + prepaids$13,363Not just lender fees.
Before credits & paid funds$171,140The complete starting cash picture.
Estimated remaining funds due at closing
$171,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,776.73
Your down payment$157,776.73
Closing costs + prepaids$13,363.18
Total buyer cash needed$171,139.91
Remaining funds due$171,139.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,187.25
Initial HOA (3 months)$279.99
Prepaid interest, first (30 days)$821.94
Fees + prepaids$13,363.18
Your down payment is the seller’s equity. You take over the $302,123 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $171,139.91 is due at closing. Uses and sources reconcile at $473,263.18 each. Not a Closing Disclosure.