Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,803Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$161,124The complete starting cash picture.
Estimated remaining funds due at closing
$161,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,803.45
Your down payment$148,803.45
Closing costs + prepaids$12,320.85
Total buyer cash needed$161,124.30
Remaining funds due$161,124.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$757.50
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$739.35
Fees + prepaids$12,320.85
Your down payment is the seller’s equity. You take over the $296,097 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $161,124.30 is due at closing. Uses and sources reconcile at $457,220.85 each. Not a Closing Disclosure.