Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$156,211Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$168,759The complete starting cash picture.
Estimated remaining funds due at closing
$168,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,210.77
Your down payment$156,210.77
Closing costs + prepaids$12,548.62
Total buyer cash needed$168,759.39
Remaining funds due$168,759.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$602.00
Prepaid interest, first (31 days)$772.62
Fees + prepaids$12,548.62
Your down payment is the seller’s equity. You take over the $313,689 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $168,759.39 is due at closing. Uses and sources reconcile at $482,448.62 each. Not a Closing Disclosure.